Mel Horrocks-Madhok in

Mel Horrocks-Madhok

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Founder at The Credit Lab
📍 Heswall, England, United Kingdom

Mel Horrocks-Madhok is a credit control specialist with over 30 years of experience and the founder of The Credit Lab. Educated in Business & Finance at Liverpool John Moores University, she focuses on improving cash flow for SMEs. Colleagues describe her as professional, knowledgeable, and passionate.

Outside of her primary role, Mel is dedicated to community and business advocacy. She volunteers as a mentor for The Girls Network, guiding young women, and is an active member of the Federation of Small Businesses, supporting the broader SME community.

She has provided tailored credit control solutions for businesses with turnovers ranging from VAT registration up to £15 million.

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Experience
11 Years
Current Role
Founder
Job Level
Leadership
Location
Heswall, England, United Kingdom
Personality Overview

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Communication Style
Decision Approach
Work Preference

Behavioral traits and communication patterns that shape how this person evaluates opportunities, builds trust, and makes decisions in professional settings.

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Priorities

Topics Mel cares about

SME Cash Flow
Her entire career is dedicated to helping SMEs improve financial stability by managing late payments and reducing debtor levels, a topic she frequently posts about.
Client Relationships
Emphasizes a 'prompt, polite, persistent' approach, believing in effective debt reduction while preserving key client partnerships for long-term business health.
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Career

Work history

5-2025
Founder
The Credit Lab
11-2022
Volunteer Mentor
The Girls'​ Network
2-2022
Member
Federation of Small Businesses (FSB)
8-2020 - 5-2025
Outsourced Credit Control Services
Mel Horrocks-Madhok Debt Management Services
4-2014 - 7-2020
Credit Controller
Cobham Murphy Accountants
In the press

Media appearances

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Education
9-1992 - 7-1994
Business & Finance
Liverpool John Moores University
9-1988 - 7-1990
Business & Finance
Millbrook College
Social presence
in
Behavioral profile

DISC profile (public)

DISC behavioral profile

Dominance, influence, steadiness, and calculativeness scores with guidance on how this person prefers to communicate and decide.

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