Gauteng: National Credit & Risk Manager posted by Innovazi Consulting (Pty) Ltd

Key Responsibilities

• Credit Applications & Account Management
  • Review and authorise credit applications, ensuring compliance with policies and insurance parameters.
  • Assess creditworthiness using financial information, bureau reports, and supporting documentation.
  • Open and register new customer accounts, ensuring accurate classification and record management.
• Collections & Problem Accounts
  • Monitor overdue accounts, investigate unpaid invoices, and implement holds or suspensions where necessary.
  • Negotiate repayment terms and settlements, prepare Acknowledgements of Debt, and track adherence.
  • Initiate and coordinate legal action in cases of nonpayment, liaising with attorneys or collection agencies.
• Legal & Recovery Processes
  • Manage claims against liquidated debtors or customers in business rescue.
  • Prepare and submit Proof of Claims, affidavits, and supporting documentation to liquidators.
  • Recommend bad debt provisions or writeoffs in line with policy.
• Credit Control & Governance
  • Define departmental objectives, policies, and performance standards.
  • Lead and motivate the credit control team, ensuring adherence to procedures and high performance.
  • Report on departmental performance, risks, and operational outcomes to senior management.
• Compliance & Insurance
  • Ensure compliance with the Quality Management System (QMS).
  • Manage relationships with credit insurance partners, oversee applications, notifications, and claims.
• Trade Finance & Working Capital
  • Oversee trade finance facilities, assess associated risks, and monitor utilisation.
  • Prepare weekly cash receipt forecasts and authorise payments in line with mandates.
• Ad Hoc & Reporting
  • Support credit controllers with escalated accounts.
  • Prepare debtor reports, provisions, and audit documentation.
  • Assist with annual internal and external audits.

Qualifications

• Grade 12
• Diploma in Credit or Risk Management (NQF Level 6)
• BCom in Credit, Risk Management, or Finance (advantageous)

Experience

• Minimum 15 years’ credit experience
• At least 5 years in a senior management role
• Only candidates who have experience within the freight & logistics industry will be considered

Competencies

• Strong leadership, communication, and interpersonal skills
• Financial analysis and acumen
• Problemsolving, planning, and organisational ability
• Assertiveness, integrity, and proactive decisionmaking
• Ability to manage diversity, change, and conflict under pressure