MANDY VANES
STOURBRIDGE,WEST MIDLANDS
Summary
Skilled Credit Controller with attention to detail and problem-solving skills to approach different applications and conflicts. Understands importance of balancing risk against financial returns to optimise profits. Quick to learn new procedures and careful to follow protocols.
Overview
33
33
years of professional experience
Work history
Credit Controller
British Independent Retailers Association (Bira)
Birmingham
09.2012 - 01.2026
- Managed ledger of 650 live accounts from initial contact to legal proceedings.
- Conducted credit checks and established credit limits for new customers.
- Proactively chased outstanding debts through various methods, ensuring compliance with agreed terms.
- Monitored customer credit situations closely to mitigate risks effectively.
- Resolved escalated issues and queries
- Posted and allocated payments, resolving any allocation discrepancies.
- Reviewed and managed aged debt reports, escalating issues as necessary.
Credit Control Team Manager
Glide Utilities
Birmingham
01.2010 - 09.2012
- Established credit control processes to improve debt collection for individuals and B2B customers.
- Managed outstanding debts, including cases escalated to litigation.
- Supervised two credit controllers to ensure operational efficiency.
- Conducted performance evaluations to identify improvement areas.
Financial Crime Investigator
Egg Banking
Dudley
10.2006 - 07.2009
- Managed fraud cases through data analysis and customer account profiling.
- Communicated verbally and in writing with fraud victims, providing reassurance and resolution.
- Liaised with external agencies, including Credit Reference Agencies, CIFAS, and Police Forces.
Application Fraud Investigator
Egg Banking
Dudley
02.2002 - 10.2006
- Identified and investigated suspicious applications for Application Fraud Team.
Utilised bespoke fraud systems, including Hunter, to detect application fraud via telephony and internet channels.
Prevented over £8 million in application fraud within two years.
Credit Control Team Manager
Telewest Communications (Virgin Media)
Dudley
11.1996 - 12.2001
- Successfully managed 15 credit controllers, enhancing procedural efficiency.
- Reduced bad debt from 5% to 3% through improved processes.
- Conducted performance evaluations to identify improvement opportunities.
- Provided leadership that fostered high levels of team performance and morale.
- Implemented regular training and mentoring sessions to boost team efficiency.
Credit Controller
Telewest Communications (Virgin Media)
Dudley
04.1993 - 11.1996
- Achieved significant improvements in collecting overdue payments through telephone and written communication.
Negotiated mutually beneficial payment arrangements that satisfied company policies and customer capabilities.
Education
BTEC National Certificate(Business Studies) -
Dudley College of Technology
Dudley8 GSCE'S -
High Arcal School
Sedgley, DudleySkills
- Ability to work calmly under pressure
- Effective communication
- Credit scoring expertise
- Financial decision-making
- Microsoft Office/CRM/SAGE/NAV
- Credit limit management
- Complex reconciliations
- Credit risk analysis
- Debtor days reduction
- Debt collection experience
- Customer handling skills
- High-volume collections
- Attention to detail
- Bad debt monitoring
TRAINING
National Examination Board for Supervisory Management Certificate
Affiliations
- Yoga, Pilates, walking and reading
References
References available upon request.
Timeline
Credit Controller
British Independent Retailers Association (Bira)
09.2012 - 01.2026
Credit Control Team Manager
Glide Utilities
01.2010 - 09.2012
Financial Crime Investigator
Egg Banking
10.2006 - 07.2009
Application Fraud Investigator
Egg Banking
02.2002 - 10.2006
Credit Control Team Manager
Telewest Communications (Virgin Media)
11.1996 - 12.2001
Credit Controller
Telewest Communications (Virgin Media)
04.1993 - 11.1996
BTEC National Certificate(Business Studies) -
Dudley College of Technology
8 GSCE'S -
High Arcal School