Credit Manager

Description:

The Credit Manager is responsible for managing and controlling the organisations credit granting process. This role ensures that credit risk is effectively evaluated, monitored, and minimised while enabling sustainable sales growth and maintaining healthy cash flow. The Credit Manager ensures compliance with company policies, legal requirements (including the National Credit Act), and oversees effective collection of accounts receivable in line with working capital objectives.

MINIMUM REQUIREMENTS
Qualifications:
National Diploma or Bachelors Degree in Finance or Accounting (NQF 7) Credit Management Diploma (Institute of Credit Management of South Africa) highly advantageous Experience:
58 years of progressive experience in credit control or credit management Minimum 5 years in a supervisory or management role Experience in a manufacturing, FMCG, or sales-driven environment preferred Proven experience managing large debtor books and trade credit risk RESPONSIBILITIES:
Develop and maintain the companys credit policy and procedures Conduct credit assessments of new and existing customers Approve or recommend credit limits and terms in line with policy Monitor credit exposure and portfolio risk regularly Maintain updated customer risk ratings and ensure compliance with credit term Oversee daily debtor collections and allocate payments accurately Review age analysis weekly and take corrective action for overdue accounts Negotiate and manage payment arrangements where necessary Collaborate with sales teams to resolve invoice disputes Recommend write-offs and provisions in line with company policy Communicate credit terms clearly to customers Resolve customer account queries promptly Support customers with documentation and payment arrangements Attend key account review meetings to manage credit-related risks Oversee contract tracking, document control, renewals, and closures Ensure contract-related documentation is accurate, secure, and audit-ready Track and action key contract milestones, renewals, and closures Review reports on contract status, compliance, and risks, implementing corrective actions Liaise with internal stakeholders to resolve escalated contract administration issues Ensure integrity of financial controls, coordinate with auditors, and implement audit findings Maintain compliance with legislation, including NCA and POPIA Monitor departmental risks and maintain a risk register Support Internal Auditors and respond to findings Ensure adherence to SHEQ standards, labour legislation, and company Code of Ethics Prepare monthly credit and debtor reports for management Ana