​NATIONAL WORK LIFE WEEK

So, You Want to Be a Credit Manager? Here's What You Need to Know

So, You Want to Be a Credit Manager? Here's What You Need to KnowCredit Management isn’t just about chasing payments — it’s about protecting the lifeblood of a business: cashflow. To help future finance leaders get a real feel for what it’s like to step into a Credit Manager role (and thrive!), we asked current Credit Manager, Philip Holborough to share their honest thoughts in our Voices of Transactional Finance Leaders Series. In this article, Philip talks about everything from the challenges he’s faced along the way, to the skills and attitudes that really make a difference. He also gives a glimpse into how the role is changing, what impact technology like AI might have, and why having a "bulldog attitude" could actually be one of your biggest assets. Whether you're just starting out or aiming for the next step in your career, their advice is packed with real-world lessons you won’t want to miss.What do you think future leaders should prioritise or focus on most in order to successfully make themselves appointable as a Credit Manager?Debtor payment trends. Regardless of industry the key to successful Credit Managers is analysis of payment performance – this is often the biggest tell-tale sign of potential payment issues in the future.What are both the best and the most challenging aspects of being the Credit Manager of a fast-paced business? Blending Credit with Sales. Often the two don’t mix well – but open, frank and honest conversations where clarity of objectives is understood on both sides will help in a very challenging environment.What are your opinions about the relationship between a Credit Manager and the FC/CFO and CEO? What is critically important in building a successful partnership and providing the right support to the FC/CEO/CFO? A good CFO will recognise the importance of a Credit Manager – not always the case with CEO as they are often more strategic and commercial in their approach and less likely to be open to credit conversations over sales performance.What new key skills or attributes do you think the next generation of Credit Managers are going to need to develop? Tenacity. Both internally and externally. “The squeaky wheel gets the oil!” Don’t be afraid to offer opinions based on gut instinct and past experience. You will earn the respect of the business very quickly if you are able to nail your colours to the mast! Are new technologies like Artificial Intelligence having much of an impact on your role as Credit Manager yet? What impact do you think they will have over the next few years? AI frightens me – but I recognise the importance of some labour-saving aspects. A computer will never get someone to pay a bill – only a human voice can do that.Is it possible to maintain a reasonable work life balance at Credit Manager Level or do you have to accept that there will be personal sacrifices in order to progress to that level?Clear boundaries are very important. CM can be a stressful occupation – you must be able to separate these to ensure no burn out!Away from core credit knowledge, what personality traits have been critical to your success as a Credit Manager? Are these natural or have you worked on developing them?The willingness to not let go! Bull dog attitude – obviously with respect to the customer and the wider business. Don’t give up.What is the one single best piece of advice you were given early in your career that still holds true today? “Show me the money!” Cashflow is critical to any business large or small – the Credit manager is the custodian of this process.If there’s one thing Philip’s advice makes clear, it’s that being a great Credit Manager is about a lot more than just ticking boxes. It’s about sharp instincts, real tenacity, clear communication, and a relentless focus on cashflow — all while building strong relationships across the business. The role might change over time, especially as new technologies come into play, but the core principles stay the same: know your numbers, trust your gut, speak up when it matters, and never lose sight of the bigger picture. For anyone thinking about a career in Credit Management (or already on the way), these lessons are pure gold. Take them on board, keep learning, and remember — the best Credit Managers aren’t just protecting the cash, they’re helping to drive the whole business forward. Looking for your next career move in finance or accountancy? At Sharp Consultancy, our expertise lies in matching your potential with the perfect temporary, interim, or permanent position. With a well-established presence in Leeds and Sheffield, our seasoned team of consultants extends their services across Yorkshire and beyond. Don't wait for opportunity to knock, reach out to us TODAY and let's chart your career path together.

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National Work Life Week (11 – 15 October) is Working Families’ annual campaign to get both employers and employees talking about wellbeing at work and work-life balance.

There are many reasons why employees may feel that their work life balance has gone or is going slightly out of kilter; from feeling overworked or overwhelmed to putting in additional hours at home after work or one weekends to wanting to carve out more or a better quality of family time.

As well as more formal arrangements around flexible working, there are a number of tips and suggestions that, with a few small adjustments, can help to make your working life and life outside work a more harmonious balance.

Reset your focus:

It can be tempting to try and get another task off your desk before the end of the day, however it is important to effectively manage your workload so you are clear on the most important deadlines each day and for the weeks ahead. If, after carefully considering your priorities, there are too many tasks to juggle or tight deadlines are looming, speak up and see where there may be some flexibility or team members with less pressing workloads available to assist.

Plan downtime into your working day:

Think about ways in which you can build in something for you during your working day whether that is using your daily commute to read or listen to an audio book or taking a proper break at lunchtime and getting outside for a brisk walk or attending an exercise class. If you are primarily working from home, its easy to fall into the temptation of a more relaxed start to the day but perhaps use some of the time saved on your commute to get some fresh air whether that’s an early morning walk or leaving the car behind to do the school run so you feel more energised for the day ahead.

Set some clear boundaries:

It is important to have a clear distinction between your work life and home life; avoid bringing work home as much as possible. There may be occasions when work is particularly busy and it becomes unavoidable – if so, make sure you schedule some time off at the earliest opportunity to recharge. If needing to work outside of your regular hours is becoming the norm you need to look at whether your workload, time management and expectations are realistic – make sure you speak to your manager so you can work together to find an amicable solution. If you work from home, as much as possible, try and put in place a ‘working day’ so you have a clear time frame for starting work and a recognised end of the day and ideally have a dedicated work area that you can leave behind.

For more information on National Work Life Week visit https://workingfamilies.org.uk/nationalworklifeweek/.

Sharp Consultancy specialises in the recruitment of finance and accountancy professionals. With offices in Leeds and Sheffield our highly experienced team of consultants recruit for temporary, interim and permanent roles across the full spectrum of positions throughout Yorkshire and beyond. CONTACT US today and speak to a member of our team about your next career move.