National Credit Director

3 weeks ago


Cape Town, Western Cape, South Africa HR Genie Full time
Credit Manager Position at HR Genie

We are seeking an experienced National Credit Manager to lead our credit management team in Cape Town. The successful candidate will be responsible for managing and developing all credit functions and indirect business activities within the assigned region.

Key Responsibilities:
  • Credit Evaluation and Approval: Assess the creditworthiness of potential customers by reviewing credit reports, financial statements, and other relevant information.
  • Manage Credit Limits and Terms: Determine appropriate credit limits, terms, and payment plans based on risk assessment and company guidelines.
  • Collections Management: 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.
  • Risk Assessment and Monitoring: Identify potential credit risks and exposure by analyzing customer payment histories, credit scores, and financial stability. Implement risk mitigation strategies to safeguard against potential losses.
  • Customer Relations and Communication: Build and maintain positive relationships with customers, sales teams, and other stakeholders to foster collaboration and resolve credit-related issues effectively.
  • Reporting and Analysis: 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.
Requirements:
  • Qualifications: Matric, legal or finance tertiary qualification (LLB or BCom Law preferred).
  • Experience: 7+ years in credit management. Previous experience in managing a team and knowledge of credit risk assessment, the Credit Act, governance, and insolvency and liquidation processes.
Key Skills:
  • Excellent analytical and negotiation skills.
  • Strong interpersonal and communication skills.
  • Attention to detail and ability to work under pressure.
  • Experience with Microsoft Excel, including pivot tables, and knowledge of credit scoring models and scorecards.


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