INSIDE VIEW – AMY WELLS, CHIEF STRATEGY OFFICER AT

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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International Women’s Day (8 March) is a global day celebrating the social, economic, cultural and political achievements of women. The day also marks a call to action for accelerating women’s equality.

We caught up with Amy Wells, Chief Strategy Officer at JLA, a private equity backed critical asset supply and services business who shared her thoughts on championing diversity in the workplace.

Having graduated from Newcastle University with a degree in Economics, Amy joined PwC where she qualified as a Chartered Accountant before taking up an Analyst role at Rothschild where she progressed to Director. In 2019 she joined JLA as M&A Director and was appointed to the Executive Board as Chief Strategy Officer the following year.

What do you perceive are the main advantages and disadvantages to being a woman at work?

For me the main advantage would be the ability to offer a different perspective. Every individual offers something different to the workplace and I believe it is important not only to build diverse teams, but also to understand and appreciate each other’s differences and the diversity of thought and perspective that brings. Whether it be diversity in the form of gender, ethnicity, religion, age or sexual orientation, collectively those unique and different individuals will make a more well-rounded, successful team.

I think the main disadvantage for most women is balancing work and a career with family life. Having become a parent myself just 9 months ago, I can foresee very different life and work challenges to come when I return from maternity leave. But a good employer should recognise the challenges parenthood brings, regardless of gender, and support its employees to fulfil their family life alongside their work commitments, in whatever form that support takes.

What is the best piece of advice you have been given?

Don’t be afraid of change. In today’s fast paced environment change is almost inevitable, so it is important to learn to embrace change, focus on the positives and the opportunities it can bring.

What is your biggest success or challenge completed?

I am very proud of my career to date (thank you to Sharp Consultancy for their part in my journey!) but particularly my time in Investment Banking at Rothschild. When I entered the world of Investment Banking as an Analyst I was the first female in the team, in fact I was told that I was hired as the “token female”. Despite the preconceptions of others, I worked hard, was extremely dedicated and brought a different dynamic to the team, all of which helped me to be recognised and progress quickly through to Director. Embracing the challenge of being a young female in a very male dominated environment has certainly underpinned my passion for diversity in the workplace.

From a work perspective, what would be the one change you would make to help forge a gender equal world?

Employer encouragement for both parents to be very much involved in family life. When it comes to job offers and promotions I believe there is less gender bias today than 10 years ago (although it still exists), however, women still take the majority of the responsibility when it comes to children. When I return from maternity leave my partner will take equal share of responsibility when it comes to our family and his employer has been very supportive of this. I believe the more this is encouraged the easier it becomes for women to enjoy their work and achieve their career aspirations alongside enjoying family life.

Who is your female role model and why?

I don’t have a single female role model, but there are many women close to me who I admire. From my mother who was a successful undercover police officer back in the 80’s, to female friends and family members who juggle everyday life with being working professionals and giving 110% to both.

Are there any particular initiatives that your organisation has in place which have had a significant impact on diversity and inclusion?

Although it is the role of all colleagues to be part of the D&I drive, we have an amazing HR Director who won the Financial Times Championing Gender Diversity Award in 2019, and she is leading a host of initiatives to ensure our female colleagues are supported in their development and progression through the business. A particular focus at the moment is around attracting more women into engineering roles at JLA, and we are currently partnering with The Women's Engineering Society on this topic.

Sharp Consultancy specialises in the recruitment of temporary, interim and permanent finance and accountancy professionals. With offices in Leeds and Sheffield our highly experienced team of consultants recruit for positions throughout Yorkshire and beyond. CONTACT US today for expert advice on your next career move.

INSIDE VIEW – AMY WELLS, CHIEF STRATEGY OFFICER AT JLA