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Credit Manager

Cox Automotive is the world's largest automotive service company, providing solutions to clients at every stage of the vehicle lifecycle. We help dealers, manufacturers, fleet and leasing companies.
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NextGear Capital UK and Ireland, part of the Cox Automotive Group and is the UK’s leading provider of Stocking Plans for independent and franchise dealers. 

NextGear Capital offers Stocking Plans designed to help independent and franchised used vehicle dealers buy, manage and sell stock. It provides carefully tailored plans connecting stock wholesalers to dealerships, providing simple, cost-effective support across a wide range of vehicle sources. 


This is a fantastic opportunity to join our growing business Nextgear Capital, reporting into the Operations Director, the Credit Manager will be responsible for setting a measurable risk appetite for the business.

Develop, implement and review the credit policy in line with the risk appetite of the business.

Manage a team of credit analysts who complete the credit decisioning tasks, making sure the appropriate policy and procedures are followed. 

Help with the hiring, training and development of the team 


You will have team management and leadership experience and come from a credit decisioning background from either financial services or the automotive industry.

Have a detailed understanding of credit reference agency data and alternative data sources with regards to their use in credit decisioning.

A proven track record working with statistical risk scorecards & understanding of statistical model building. 

You will have sound knowledge of business to business lending and asset back credit products, 

Be able to communicate and influence at all levels across the business.





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Or, know someone who would be a perfect fit? Let them know!


CH4 9RE Chester Directions michael.moore@coxauto.co.uk

Perks & Benefits

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All of our team members are unique. 

That's why we offer a range of benefits to give our people the opportunity to choose what works best for them.

Here's just a few...

  • Vehicle discount

    If you need a new set of wheels, look no further. All team members can buy a vehicle through our auction centres at a discounted rate.

  • Flexible holiday

    Taking a break and switching off is important, so we offer all team members the chance to buy additional annual leave for those extra days of relaxation.

  • Points means prizes

    Our peer-to-peer reward scheme gives you the chance to say 'thank you' to your colleagues for going the extra mile. If you receive these yourself, you can swap them for a range of treats.

  • Long service

    We recognise long-term commitment with shopping vouchers and an additional week's holiday in your anniversary year.

At Cox Automotive, we love to celebrate individual achievements as well as career success.

Georgia, Auction Assistant at Manheim Plymouth, recently did something out of this world to honor her dads legacy!

“Before my Dad passed away,” explains Georgia, “we talked about the possibility of doing a charity sky-dive. After he died, I knew that I had to focus my thoughts and attention on trying to do something positive to help other people. “I wanted to make him proud and because the staff at the hospital were so amazing – I pushed myself to raise as much money for them as possible. My team, and our wider Cox Automotive family, have been incredible in their support. I’ve been overwhelmed with the donations that everyone has made!”

Georgia raised an amazing £3,206.14 for the Brent, Bracken and Birch ward in Derriford Hospital, Plymouth. The hospital is putting the money towards extending a specialist suite, which provides accommodation for patients who must be in isolation and will be replacing broken TVs with brand new ones for patients to enjoy.

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