Senior Credit Manager

As National Credit Manager, your responsibility is to manage Trade Receivables which includes:

• Minimizing credit risk while supporting profitable growth.
• Supporting sales growth with credit and financials tools tailored to the geographic area and customers portfolio.
• Ensuring Corporate cash flow objectives are met.

The position will contribute and drive process standardisation and enhancements that will result in productivity improvements across the value stream, and that Corporate Credit Policies are followed.

Responsibilities:

1. Review customer credit applications and approve credit limits to ensure compliance with company policy, minimising financial risk.
2. Oversee the release of customer orders to ensure timely fulfillment while adhering to credit policies and processes.
3. Proactively communicate with customers regarding overdue accounts to negotiate payment arrangements, aiming to reduce the overall aging of receivables.
4. Identify accounts requiring escalation and coordinate with relevant departments to implement effective resolution strategies, ensuring timely recovery of overdue balances.
5. Work closely with sales teams to align on customer creditworthiness and payment terms, ensuring a balanced approach to risk management.
6. Develop and implement payment plans for overdue accounts and initiate legal actions when necessary, ensuring compliance with legal standards and protecting company interests.
7. Approve and negotiate payment terms with customers to ensure alignment with company policy.
8. Compile and present accounts receivable metrics and KPIs to senior management to inform strategic decision-making and drive improvements in collections processes.
9. Lead projects that drive significant improvements in the order-to-cash and credit processes, resulting in enhanced efficiency and optimised cash flow management

What do you need?

To be a successful National Credit Manager, you’ll require;

1. Bachelor’s degree in Finance, Business or a related field.
2. Minimum of 6 years of experience in credit management, accounts receivable, or trade finance.
3. Knowledge of credit risk assessment; experience in evaluating creditworthiness and managing credit risk.
4. Strong ability to read and interpret financial statements and reports.
5. Familiarity of credit and trade finance tools, including UCP and relevant bankruptcy laws.
6. Project management skills.
7. Excellent reporting skills: ability to prepare and present reports on credit performance, risk assessments or collections activities to senior management.
8. Skilled in various computer applications, with a focus on Microsoft products.
9. Ability to work independently and as a part of a Team, demonstrating leadership qualities.

Desirable: Industrial, multi-national or banking experience