PURPOSE OF THE JOB:
To manage and control the organisation’s credit granting process, ensuring that credit risk is effectively evaluated, monitored, and minimised while enabling sustainable sales growth and maintaining healthy cash flow. The role ensures compliance with company policies, legal requirements (including the National Credit Act), and effective collection of accounts receivable in line with working capital objectives.
MAJOR RESPONSIBILITIES & DUTIES Credit Risk Management • Develop and maintain the company’s credit policy and procedures. • Conduct credit assessments and evaluate 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 terms. Accounts Receivable Management • Oversee daily debtor collections and allocate payments accurately. • Review the age analysis weekly and take corrective actions for overdue accounts. • Negotiate and manage payment arrangements where necessary. • Work closely with the sales team to address disputed invoices. • Recommend write-offs and provisions as per company policy. 
Customer Relationship & Support:
Communicate credit terms clearly to customers. 
Resolve customer account queries promptly.
Liaise with the sales department to align credit decisions with commercial strategies. 
Support customers with documentation and payment arrangements when required.
Attend key account review meetings to manage credit-related risks.
Contract Administration:
Oversee and ensure the effective management of the contract administration process, including contract tracking, document control, renewals, and closures.
Monitor that all contract-related documentation is maintained accurately, securely, and is audit-ready.
Ensure that key contract milestones, renewals, and closures are tracked and actioned on time and custodians notified
Review periodic reports on contract status, compliance, and risks, and ensure that corrective actions are implemented where necessary. 
Ensure compliance with internal policies, legal standards, and regulatory requirements in all contract administration activities
Identify process improvements and support training or awareness initiatives for staff involved in contract administration.
Liaise with internal stakeholders (e.g., legal, procurement, finance) to resolve escalated contract administration issues.
Hold staff accountable for meeting contract administration KPIs (e.g., document accuracy, compliance rates, timely renewals).
Corporate Governance, Risk & Compliance:
Monitor the operation of controls and procedures in order to ensure the integrity of the company
Coordinate with external auditors.
Implement changes based on audit findings.
Ensure that all action plans are in place to address internal and external audit findings and monitor progress against these plans. 
Ensure compliance with relevant legislation and policy frameworks within functional area to prevent fruitless, wasteful and irregular expenditure
Identify and monitor departmental risks and develop and maintain a risk register. 
Provide support to the Internal Auditors and respond to findings. 
Assure compliance with all SHEQ related standards, processes and procedures 
Observe and ensure all staff comply with the provisions of all labour legislation
Ensure adherence to the Company Code of Ethics, Values as well as Unwritten Ground Rules (UGR’s)
Ensure alignment of the company's financial practices and processes to the relevant legislation and governance requirements and mitigate any potential financial risks.
Regularly liaise with the the company's Leadership on corporate governance, provide advice and contribute toward the alignment of the company to the relevant legislation and regulations.
Ensure compliance with the National Credit Act and POPIA.
Maintain accurate credit records and documentation.
Implement and monitor internal controls over credit and collections. 
Review and update credit procedures regularly.
Reporting & Analytics:
Prepare monthly credit and debtor reports for management.
Analyse trends in collections, bad debts, and credit exposure. 
Recommend corrective measures based on data insights. 
Support budgeting and forecasting processes. 
Develop dashboards for credit monitoring (where applicable).
Contribution to Business Strategy:
Participate in strategy formulation and policy development.
Advise management on credit trends and their business impact. 
Support product and market expansion by assessing credit risk exposure.
Implement credit automation or digital solutions to improve efficiency. Stakeholder Management
Identify all potential internal and external stakeholders 
Work collaboratively with internal & external stakeholders by establishing and maintaining effective working relationships and clear lines of communication 
Represent the company in meetings with internal & external stakeholders.
Solve problems creatively whilst demonstrating a high level of integrity in line with the company's core values as well as UGR’s 
Provide advice and guidance on internal & external stakeholder related matters.
Manage relationships and accompanying expectations in accordance with policies and procedures and legal requirements
People Management:
Ensure successful implementation of all HR policies within the function 
Recruit and hire the correct calibre of new employees timeously when there are vacancies in key positions 
Provide suitable training and management development, particularly to key staff, enabling them to optimise their potential
Ensure ongoing training and development of employees in general 
Monitor and measure employee performance by conducting employee appraisals and set performance objectives for the team by cascading the organisation’s initiatives into individual, signed performance contracts 
Identify areas of development and draw up action plans to address poor performance
Addresses employee relations matters fairly and promptly 
Manage and improve communication and relationships between employees within the function
Act as the custodian of the company values and organisational culture within the function
Ensure all current labour related legislation is adhered to 
Ensure that employees have clear and understood job profiles, targets and goals to perform their functions to the required standards 
Ensure that employees have the right resources, skills, tools, equipment, and information to successfully execute their responsibilities
Proactively align future talent needs through effective succession planning and capacity building initiatives (i.e. development programmes, training, mentorship, coaching etc.), and advise employees on career opportunities and the requirements to achieve personal growth
Align with the company BBBEE strategy and ensure all targets and deliverables are met