Credit Control Manager - Capital Credit Union

JOB TITLE: Credit Control Manager

Capital Credit Union is a large community-based credit union operating through 8 branches in South Dublin. It has a loan book of €120m, including a growing mortgage book, business and community lending. The credit union is inviting applications for the position of experienced Credit Control Manager to lead effective management of arrears and credit risk.

FUNCTION

Reporting to the CEO, the Credit Control Manager has responsibility for leading and developing the credit control team and overall function of the department. The Credit Control Manager will take responsibility for the management and mitigation of credit control risk in accordance with the risk management framework of the credit union. This is a management role within the credit union and experience should reflect the requirements of the role.

SKILLS REQUIREMENTS

• 3-5 years previous experience in credit control, arrears management or debt recovery within a credit union or similar financial institution
• Relevant qualification, such as QFA
• Other relevant qualifications will be an advantage
• Strong leadership and people management experience
• Excellent verbal and written communication skills
• Proficient IT skills, especially excel
• Strong analytical skills and experience
• Experience in engaging with the MARP process
• Strong organisational skills and attention to detail
• Experience in reporting at management level
• Focused on continuous improvement and development of the function
• Possess strong self-motivation and initiative

DUTIES AND RESPONSIBILITIES

Leads the credit control function, ensuring excellent service to members in adherence with board policies and office procedures.

Member of Management Team & attends and presents at Board meetings as required

Progressively and effectively implementing the board policy and procedure on credit control

Manage arrears cases from early intervention through to resolution, including reviewing arrears listings, communicating with members, maintaining appropriate records, agreeing rescheduling arrangements, recommending write-offs in line with policy and overseeing the MARP process.

Management of any outsourced providers engaged in the area of credit control

Contributes to the mitigation of lending risk at policy, system and practice levels by contributing advice, expertise and practical assistance, as required to the lending function, together with the provision of data to CUFA and analysis of the output received from CUFA

Liaise with CFO re loan book reviews for provisioning purposes

Exercise judgement on individual loan accounts and make evidence-based recommendations to the CEO, Credit Control Committee and Board on appropriate account actions and credit control policies.

Ensure all categories of delinquent accounts receive timely attention to prevent arrears escalation, maintain focus on recoveries from previously written-off loans and, where enforcement requires legal action, coordinate and participate in proceedings, including court visits where necessary.

Maintain up-to-date knowledge of applicable legal, regulatory and statutory requirements and ensure that credit control policies, procedures and practices remain compliant.

Develop and monitor key performance indicators for the credit control function, analyze arrears and recovery trends, and report performance, risks and recommended actions to the CEO, Credit Control Committee and Board.

The above job description is not intended to be a comprehensive list of duties and responsibilities. The post holder may be required to perform other duties as appropriate to the post which may be assigned to them from time to time. This job description may change in line with the evolving needs and objectives of the Company.

SALARY & BENEFITS

Capital Credit Union offers a generous remuneration package, including salary, pension, and other benefits commensurate with the role and benchmarked with the market. Salary is negotiable, DOE and benchmarked against the market.

CONTRACT & HOURS

This is initially a 12 month fixed term contract, with potential for extension.

The normal working week is 9am to 5pm Monday to Friday. Flexibility in working hours will be essential, as the Credit Control Manager may be required to attend Board and sub-committee meetings and represent the Credit union at appropriate events, which may be outside of the normal working hours.

LOCATION

The role is based in South Dublin.

HYBRID/ REMOTE WORKING

This role is primarily on-site due to its operational and member-facing responsibilities. Occasional remote working may be facilitated at the Credit Union's discretion, subject to business needs.

APPLICATION PROCESS

Shortlisted candidates will be invited to interview and will be required to provide satisfactory references.

CLOSING DATE

The closing date for applications is 5.00 pm on Wednesday the 11 th November 2026.

Capital Credit Union is an equal opportunities employer and welcomes applications from suitably qualified candidates from all backgrounds.