Job Description
About the Role
The Credit Risk Manager will be responsible for overseeing all aspects of credit risk management, debt collection, and customer account management within Smith Garb. This role requires a strong understanding of credit policies, regulations, and industry best practices to ensure compliance and maximize revenue.
Key Responsibilities
- Identify alternative data sources to improve scoring accuracy
- Implement debi checks and other mechanisms to enhance collections
- Optimise customer onboarding and manage system integrations
- Develop and enforce company credit policies
- Oversee a call centre with high automation (bots, WhatsApp, email, SMS)
- Contact customers to collect outstanding payments
- Negotiate repayment arrangements, settlements, and plans
- Escalate high-risk or complex accounts
- Monitor accounts daily for overdue payments
- Reconcile accounts and resolve billing discrepancies
- Review credit limits and recommend adjustments
- Ensure all collections activities comply with regulations and internal policies
- Handle customer information confidentially and ethically
- Follow legal procedures for external collections or legal action
- Prepare daily, weekly, and monthly collections reports
- Analyse data and maintain dashboards and management reports
- Offer solutions to resolve payment challenges while protecting company interests
- Collaborate with internal teams (sales, finance, customer service) and external partners
Requirements
- Strong analytical and problem-solving skills
- Excellent communication and interpersonal skills
- Ability to work in a fast-paced environment with multiple priorities
- Proficient in Microsoft Office and CRM software
- Strong understanding of credit policies and regulations
Qualifications
- Bachelor’s Degree or Diploma in Finance, Business Management, or relevant qualification
- 8–10 years’ experience in credit control and debt collection
- Proven experience optimising loan management systems and automating processes
How to Apply
Click the green “Go Apply” button below to apply directly online with the employer.
About Other Finance/Accounting Jobs in Gauteng
The finance and accounting sector is a significant contributor to the economy of Gauteng, South Africa, providing numerous opportunities for professionals looking to advance their careers. With major financial institutions, banks, and multinational corporations based in the province, there is a high demand for skilled finance and accounting professionals.
Salary ranges in Gauteng are generally in line with national averages, but can vary depending on factors such as industry, company size, and level of experience. According to recent job postings, average salary ranges for finance and accounting positions in Gauteng include:
R250 000 – R350 000 per annum for junior finance professionals
R400 000 – R600 000 per annum for experienced accountants
R700 000 – R1 200 000 per annum for senior finance managers
Key skills required for success in the finance and accounting sector in Gauteng include:
Financial planning and analysis
Accounting standards and compliance (e.g. IFRS)
Data analytics and reporting
Communication and interpersonal skills
Budgeting and forecasting
Risk management
Business acumen and strategic thinking
Major employers in the finance and accounting sector in Gauteng include:
Standard Bank, one of South Africa’s largest banks, with its headquarters located in Sandton, Johannesburg.
Multinational corporations such as IBM, which has a significant presence in the province, and Unilever, a leading consumer goods company.
The Johannesburg Stock Exchange (JSE), which is also based in the province and provides opportunities for finance professionals to work in investment banking and stockbroking.
Career growth opportunities are available in the finance and accounting sector in Gauteng, with many companies investing in training and development programs to support their employees’ career progression. Senior finance managers can move into executive roles, while experienced accountants can take on leadership positions or start their own businesses. Additionally, the JSE offers a range of training programs and certifications for finance professionals, such as the Certified Financial Analyst (CFA) program.
Overall, the finance and accounting sector in Gauteng presents numerous opportunities for career advancement and professional growth, with a high demand for skilled professionals and competitive salary ranges.
This information provides general career guidance. Actual salaries and requirements vary by employer.
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