Credit Manager: Debtors and Collections Specialist
Ad Hoc Client
Overview
A fast paced company is looking for a Credit Manager to take charge of its debtors book and collections. You will manage credit risk, negotiate payment plans, and lead a credit control team. This role suits someone with strong Excel and ERP skills who can balance commercial goals with protecting cash flow, while earning R45,000 to R60,000 per month.
About the role
As Credit Manager, you will oversee the full credit control function in a dynamic business environment. Your primary focus is to minimise financial risk, improve cash flow, and keep the debtors book healthy while supporting the company's commercial objectives.
Day to day, you can expect to:
- Manage debtor accounts and drive timely collections across the book.
- Develop and enforce credit control policies, including credit assessments and setting credit limits.
- Monitor overdue accounts, implement recovery strategies, and negotiate payment arrangements.
- Prepare and present age analysis, debtor performance reports, and cash flow forecasts to management.
- Collaborate with sales teams to balance business goals with credit risk, and handle escalated disputes.
- Lead, support, and develop the credit control team to meet targets and maintain accountability.
Application note: No specific application instructions were provided. Prepare a detailed CV highlighting your credit management and debtor book experience.
Requirements
- A Diploma or Degree in Finance, Accounting, Credit Management, or a related field is advantageous.
- Minimum 5 to 7 years of experience in credit control, debtor management, or a related financial environment.
- Previous experience in a supervisory or credit management role.
- Proven track record managing a debtors book, collections processes, and credit risk.
- Strong understanding of credit policies, debt recovery procedures, and financial controls.
- Proficiency in Microsoft Office, especially Excel, with strong reporting and analytical abilities.
- Experience working on accounting or ERP systems.
- Excellent leadership, problem solving, decision making, and negotiation skills.
- Strong communication and interpersonal skills to engage with customers and senior management.
- Ability to work under pressure, manage competing priorities, and meet strict deadlines.
Responsibilities
- Oversee daily management of the company's debtors book, ensuring accurate account management and timely collections.
- Develop, implement, and maintain effective credit control policies and procedures.
- Manage the collections process, monitor overdue accounts, and implement strategies to reduce outstanding debt.
- Conduct credit assessments, evaluate customer creditworthiness, and recommend credit limits and payment terms.
- Negotiate payment arrangements with customers and manage escalated debtor queries and disputes.
- Oversee customer account reconciliations, ensuring discrepancies are investigated and resolved promptly.
- Prepare, analyse, and present age analysis reports, debtor performance reports, and cash flow forecasts to management.
- Monitor debtor ageing, identify high risk accounts, and implement appropriate risk mitigation measures.
- Collaborate closely with sales teams and management to balance commercial objectives with effective credit risk management.
- Manage legal handovers, bad debt recoveries, and write off recommendations where necessary.
- Lead, support, and develop the credit control team, ensuring accountability, productivity, and achievement of departmental targets.
- Ensure compliance with company credit policies, internal controls, and relevant financial regulations.
- Identify opportunities to improve credit management processes, reporting accuracy, and collection efficiency.
- Maintain accurate customer records, credit documentation, and audit trails.
Job details
- Organisation
- Ad Hoc Client
- Job type
- Full time
- Experience level
- Senior (5+ years)
- Education
- Diploma
- Salary
- R45k to R60k / monthly
- Category
- Accounting & Finance
- Application Method
- Apply manually
Success Guide
To stand out for this Credit Manager role, tailor your CV to highlight your experience with debtors books and collections. Quantify your achievements, like reducing overdue accounts by a certain percentage or managing a book of a specific value. Mention the ERP systems you have used and your proficiency in Excel. In an interview, be ready to discuss how you handle difficult customers and balance sales targets with credit risk. Show that you can lead a team and make sound financial judgements. Consider preparing a brief example of a credit policy you implemented or a successful debt recovery case. This is a senior role, so demonstrate maturity, integrity, and a results driven mindset. Good luck!
How we help you prepare
This employer takes applications on their own website, so you'll submit this one yourself — but SPAAN NOW gets everything ready for you first. Here's how it works:
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