National Credit Manager
5 days ago
Job Title: National Credit Manager
Job Summary:
LMP RECRUIT is seeking a highly skilled National Credit Manager to join our team. As a key member of our organization, you will be responsible for managing and developing all credit functions and indirect business activity within the assigned region.
Key Responsibilities:
- Evaluate the creditworthiness of potential customers by reviewing credit reports, financial statements, trade references, and other relevant information.
- 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, including reminder notices, phone calls, and collection letters, to encourage timely payment and resolve payment disputes.
- Coordinate with collection agencies or legal counsel for escalated collection efforts, including legal actions or debt recovery, when necessary.
- 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.
- Implement risk mitigation strategies, such as requiring collateral or personal guarantees, to safeguard against potential losses.
- Build and maintain positive relationships with customers, sales teams, and other stakeholders to foster collaboration and resolve credit-related issues effectively.
- Communicate credit terms, payment expectations, and collection efforts clearly and professionally to ensure transparency and compliance.
- 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.
- Present findings and recommendations to senior management to inform strategic decisions and optimize credit management strategies.
- Ensure compliance with credit laws, regulations, and industry standards.
- Stay updated with changes in credit-related regulations and industry best practices to maintain compliance and minimize legal risks.
- Implement internal controls and audit procedures to monitor compliance and address any issues or discrepancies promptly.
- Provide guidance and support to your teams on credit policies, customer credit status, and collection procedures to facilitate informed decision-making and customer interactions.
- Ensure that credit controllers and supervisors are regularly following up with the customers with regards to payments.
- Have regular meetings to stay up to date with the books that each credit controller/supervisor is busy with.
Requirements:
- Matric or higher tertiary qualification in a relevant field.
- 7+ years of experience in credit management.
- Previous experience in the auto finance industry is 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.
Language: English (en-US)
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