Portfolio Integrity and Profile Monitoring
• To maintain a healthy ledger, oversees the continuous monitoring and updating of the client category profiles
ensuring that risk ratings, industry classifications, and payment histories are accurately documented in the
CRM or ERP system.
• Maintaining strict oversight of KYC (Know Your Customer), reconciling client data across systems,
documentation to ensure accuracy and consistency
• Implement early-warning systems to identify deteriorating credit profiles before they become a liability,
allowing for proactive intervention
• Contractual matters with clients
Credit Assessment and Facility Management
• Monitor and evaluate customer credit applications to ensure compliance with company policies.
• evaluation of creditworthiness to safeguard the company's assets.
• Review complex credit applications and facility requests, conducting deep-dive financial analysis to ensure
all offerings align with the established risk appetite.
• Assist the Manager in structuring bespoke credit terms and limits that facilitate business growth while
mitigating exposure.
• Maintaining a high standard of quality control over the team's credit memos, ensures that every
recommendation sent to the Credit Committee is backed by sound logic and accurate data
Collection Strategy and Performance Optimization
• Responsible for monitoring key metrics such as DSO and aging reports to ensure the team consistently
meets or exceeds recovery targets.
• look for opportunities to improve existing workflows, whether through the introduction of better
communication scripts or the automation of follow-up procedures.
• Steps in to lead negotiations for high-value or sensitive delinquent accounts,, balancing the need for firm
debt recovery with the importance of maintaining long-term client relationships
Leadership and Operational Reporting
• Provide daily guidance to junior cred
it officers, fostering a culture of analytical rigor and professional
negotiation.
• Assist Cred
it Manager to consolidate raw team data into insightful weekly and monthly performance reports,
highlighting trends, risks, and successes, navigating internal conflicts such as those between sales
objectives and credit safety with diplomacy, ensuring that the department remains a pillar of stability for the organization
• Track and report on KPIs relates.
• Handle customer inquiries and resolve credit-related issues efficiently.
• Prepare and deliver regular credit control reports.
• Maintain organized documentation to support internal and external audits.
• Support ad hoc tasks and projects as assigned by management.
• Deal with relevant Parties (internal & external) for arising issue