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Nicola Smart is a seasoned finance and customer service professional with extensive experience in various roles. Since March 2019, Nicola has been serving as a Credit Controller at Pen Underwriting UK. Prior to this position, Nicola held several key roles at City Link from 2007 to December 2014, including Team Leader, where responsibilities included performance management of a large team, and Senior Administration Adviser, overseeing major accounts and customer relations. Additional experience includes serving as Major Account Representative and Collection Agent at JB Debt Recovery and Telesales Advisor at British Gas, demonstrating a consistent track record in debt collection, client management, and customer satisfaction.