National Credit Manager
1 month ago
At LMP RECRUIT, we are seeking a highly skilled National Credit Manager to join our team. As a key member of our credit management team, you will be responsible for developing and implementing credit strategies to drive business growth while minimizing risk.
Key Responsibilities:- Evaluate creditworthiness of potential customers by reviewing credit reports, financial statements, and trade references.
- Determine appropriate credit limits, terms, and payment plans based on risk assessment and company guidelines.
- Approve or decline credit applications and negotiate terms with customers to facilitate sales while minimizing credit exposure.
- Monitor customer accounts to identify overdue invoices, outstanding balances, and delinquent accounts.
- Implement and enforce collection strategies to encourage timely payment and resolve payment disputes.
- Identify potential credit risks and exposure by analyzing customer payment histories, credit scores, and financial stability.
- Monitor changes in customers' credit profiles, financial conditions, and market dynamics to anticipate and mitigate credit risks proactively.
- Build and maintain positive relationships with customers, sales teams, and other stakeholders to foster collaboration and resolve credit-related issues effectively.
- Generate regular reports to track key credit metrics, including aging receivables, credit limits, bad debts, and cash flow impacts.
- Analyze credit data and trends to identify patterns, insights, and opportunities for process improvements in credit management and collections.
- Matric or Finance tertiary qualification.
- 7+ years experience in credit management.
- Previous experience in the auto finance industry preferred.
- Previous experience in managing a team.
- Experience with Microsoft Excel, pivot tables.
- Knowledge in working with Credit scoring models and score cards.
- Credit Risk Assessment.
- Financial Analysis.
- Credit evaluation techniques.
- Strong negotiation skills.
- Excellent analytical skills.
- Solid interpersonal skills.
- Attention to detail.
- Great written and verbal communication.
- Ability to work under pressure.
- A competitive salary and benefits package.
- Opportunities for career growth and professional development.
- A dynamic and supportive work environment.
We are an equal opportunities employer and welcome applications from diverse candidates. If you are a motivated and experienced credit professional looking for a new challenge, please submit your application.
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