Sharp Consultancy Supports Yorkshire Children’s

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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On Wednesday, September 11th, half of our staff from both the Sheffield and Leeds offices volunteered to support Yorkshire Children’s Charity. Each year, this charity provides hundreds of children from schools across Yorkshire with the opportunity to enjoy a fantastic day out at Cannon Hall Farm, and they rely on many volunteers to make this happen.

This year, over 600 children who might otherwise not be able to enjoy a day trip like this, partook in what turned out to be a brilliant day. Yorkshire Children’s Charity is very close to our hearts here at Sharp Consultancy as not only is it focused on the county we call home, the charity helps children who for a variety of reasons, are in a position of disadvantage. For many of these children, this was their first visit to a farm and possibly their first experience outside their local area.

The Sharp Consultancy team having a group drink after their first charity day.

Apart from a brief deluge for 10 minutes at the start of the day and a light shower at the end the day, the rain mostly stayed away. The team from Sharp Consultancy, along with many other volunteers helped get the packed lunches delivered, drinks poured, biscuits distributed and joined the teachers showing the children around the farm – from reptile houses to the pig pens (much holding of noses and retching noises!), tractor rides to see Llama’s and reindeer, sheep racing, ferret racing, meerkats and mongoose. It was a day like no other.

Members of the Sharp Consultancy team at their first charity day for the Yorkshire Childrens Charity.

No matter how old you are, if you think back really hard, you can probably just about remember the first time you saw a snake or huge monitor lizard in a zoo; or goggled at the size of a shire horse and the amazement you felt – multiply this by 608 children and you might just have some idea how special the day was.

And don’t children ask the best questions. I have never been asked so many questions I didn’t know the answer to – ‘Why do snakes put their heads in that position?’ Why are some leaf cutter ants carrying leaves to their nest and some carrying them away from their nest?’ Why is that cow laying down and that one stood up?’ my answer – ‘it must be tired’ – there response ‘what’s it been doing to get tired?’ Or my favourite ‘What can run faster, a meerkat or a ferret?’.

The team here at Sharp Consultancy had an amazing day (I think if enjoyment could be measured, we’d have given the children a run for their money!)

It was a humbling and enlightening experience and on occasions, very emotional (my word, you really appreciate just exactly

A photo from the first Sharp Consultancy charity volunteer day.

how lucky you are and have been). Most of all though it was a delight to meet 608 amazing young people, dozens of teachers and assistants (you really are heroes, and nothing will make me change my mind on that) and all our fellow volunteers and charity employees Annabel and Abbie – join the teachers in our collective hero worship.

A day to remember…forever.

Sharp Consultancy Supports Yorkshire Children’s Charity’s annual schools day out at Cannon Hall Farm.

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