Credit Manager

Reference: 11145 CM

Consultant: Christa Mostert

• Lead and manage the end-to-end credit, collections, and debtor management function
• Develop, implement, and enforce credit policies, credit limits, and payment terms
• Conduct customer credit assessments and evaluate credit risk exposure
• Drive collections performance and manage overdue accounts and debtor ageing
• Monitor and mitigate debtor risk to protect company cash flow and working capital
• Manage credit insurance, securities, guarantees, and legal recovery processes where required
• Partner with commercial and operational teams to support responsible customer trading activities
• Strengthen credit governance, internal controls, and compliance processes
• Prepare and analyse debtor reports, credit risk reports, and collection performance metrics
• Identify opportunities to improve credit processes, automation, and reporting efficiencies
• Lead, mentor, and develop the debtors and collections team
• Maintain strong relationships with customers while ensuring effective debt recovery
• Support business growth through commercially sound credit decisions
• Utilise data analytics and technology to enhance credit risk management and collections performance

• Grade 12 / Matric Certificate
• Relevant tertiary qualification in Finance, Accounting, Law, Commerce, Risk Management, or related field advantageous
• Minimum 5 years' experience in credit management, collections, and debtor risk management
• Proven experience managing customer credit portfolios and collections processes
• Strong understanding of credit risk assessment and debtor management principles
• Experience working within a commercial, distribution, FMCG, wholesale, or agricultural environment advantageous
• Proficiency in Microsoft Office, particularly Excel
• Experience working with Microsoft Dynamics 365 Business Central (Microsoft BC) or similar ERP systems
• Strong analytical and problem-solving abilities
• Excellent negotiation, communication, and stakeholder management skills
• Ability to make sound commercial decisions while maintaining risk controls
• Strong leadership and team management capabilities