Credit Manager : General Trade

SUMMARY :

Accountable for quality, standards, service and desired outputs within inter-related functional area

POSITION INFO : Job Purpose

The purpose of the Credit Manager : General Trade is to oversee the comprehensive management of accounts receivable for General Trade, optimizing processes, and maintaining compliance with regulatory standards. The role proactively manages credit risk, resolves disputes, and fosters strong relationships with general trade customers, while providing essential support to the AR Supervisor and ensuring adherence to financial objectives.

Qualifications and Experience

Bachelors Degree (3 years) / NQF level 7 (Preferred)

Up to 6 years experience (Operational Execution)

SAP / MS OFFICE

Key Accountabilities and Outputs

General Trade Credit Management

Manage the end-to-end accounts receivable function, overseeing payments, collections, and reconciliations for General Trade Accounts.

Continuously review AR processes for optimization, tracking performance against KPIs and implementing corrective actions within General Trade Accounts.

Ensure effective monitoring and maintenance of General Trade Accounts, adhering to the National Credit Act.

Manage credit checks, new account openings, and special payment arrangements to minimize financial risk.

Resolve customer disputes related to payments and maintain monthly audit reviews of debtor reconciliations.

Assist in managing complex documents related to Key Account customer master data.

Maintain the age analysis within the Days Sales Outstanding (DSO) target and assess customer credit ratings and limits for General Trade Accounts.

Collaborate with legal teams to discuss debt repayment terms and conditions.

Consolidate standard reporting including cash forecasts and planning information for General Trade Accounts.

Support AR Supervisor with ad-hoc requirements.

Consolidate standard reporting and support AR Manager with ad-hoc requirements.

General Operational and Financial Management

Actively participate in operational planning and budgeting processes

Drive continuous improvement through streamlining and optimising relevant operational practices, processes and systems

Credit Manager : General Trade

April 2024

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Ensure adherence to operational and financial frameworks of practices, processes, standards and controls

Control cost and take the necessary action to mitigate any financial risks or non-compliance

Qualifications and Experience

Bachelors Degree (3 years) / NQF level 7 (Preferred)

Up to 6 years experience (Operational Execution)

SAP / MS OFFICE

Key Qualities

Communication

Communication requiring a high level of diplomacy and sensitivity

Problem Solving

Proactive identification of functional problems related to a specific process or policy, determine cause and impact, and choose the best alternative to solve the problem based on guidelines provided and an understanding of the theory or practices underpinning the problem.

Relationships Maintained

Groups of individuals at a senior management level inside the organisation

Behavioural Competencies

Collaboration

Helps others with their work.

Meets commitments to team members or others in the organisation.

Actively contributes to team discussions and the accomplishment of team work plans.

Shares expertise and resources to help others address their needs.

Seeks to include all those who can contribute to the most successful outcome and those who have a stake in the results.

Actively keeps all stakeholders informed.

Attempts to reinvigorate team processes when progress is lagging : stays engaged even when not in full agreement with the team's direction.

Accountability

Accomplishes assigned tasks and goals : takes necessary actions to keep progress against objectives on track.

Prepares a roadmap for success.

Ensures that all who need to know, are clear about the plan.

Takes full responsibility for own actions and outcomes, including mistakes.

Always acts in the company's best interest, regardless of whether it is difficult or unpopular.

Credit Manager : General Trade

April 2024

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Ensures others are on track for achieving their goals.

Decision Making

Organises information to make it easier to analyse or see trends.

Anticipates consequences and formulates alternatives.

Establishes clear decision criteria for making informed choices.

Seeks relevant information to better understand situations and problems.

Conducts appropriate analysis; neither makes snap decisions or over-analyses.

Sees relationships between various facts, figures or other information.

Analytical Thinking

Able to take a complex task and breaking it down into manageable parts in a logical, detailed way.

Thinks of multiple explanations or alternatives to a problem

Able to identify the information needed to solve a problem effectively

Performs tasks accurately and thoroughly, making adjustments to ensure needs are met

Considers business priorities when making decisions or analysing the