National Credit Manager

MH Solutions; Johannesburg; On-site; ZAR 500 000 - 700 000; Full time

Job summary

A financial services company in Johannesburg is looking for a Credit Manager to oversee credit functions and ensure effective collections and risk mitigation. The ideal candidate will have over 5 years of credit control experience, strong team leadership skills, and proficiency in Microsoft Excel. This role is pivotal in enhancing financial performance and supporting business growth.

Qualifications

• 5+ years experience in credit control / debtors management, preferably in FMCG.
• 7+ years overall experience in Credit Management with proven team leadership.
• Experience in the auto finance industry is advantageous.

Responsibilities

• Evaluate customer creditworthiness and set appropriate credit limits and terms.
• Monitor accounts, manage collections, and resolve overdue payments.
• Identify and mitigate credit risks through regular analysis and monitoring.
• Build strong relationships with customers and internal teams to resolve credit matters.
• Prepare and present credit performance reports and insights to management.
• Ensure compliance with all credit laws, policies, and internal controls.
• Lead and support the credit team to achieve performance targets and maintain service standards.

Skills

Credit analysis

Risk assessment

Communication

Problem-solving

Excel proficiency

Education

Matric and tertiary qualification in Finance or Legal Studies

Diploma in Credit Management (Levels 14)

Tools

Microsoft Excel

Job description

The main purpose of the job :

Responsible for managing and developing all credit functions and indirect business activities within the assigned region. The role ensures sound credit evaluation, effective collections management, and proactive risk mitigation to optimise financial performance and support business growth.

Responsibilities :

• Evaluate customer creditworthiness and set appropriate credit limits and terms.
• Monitor accounts, manage collections, and resolve overdue payments.
• Identify and mitigate credit risks through regular analysis and monitoring.
• Build strong relationships with customers and internal teams to resolve credit matters.
• Prepare and present credit performance reports and insights to management.
• Ensure compliance with all credit laws, policies, and internal controls.
• Lead and support the credit team to achieve performance targets and maintain service standards.

Requirements :

• Matric and tertiary qualification in Finance or Legal Studies
• Diploma in Credit Management (Levels 14) or equivalent finance-related qualification
• 5+ years experience in credit control / debtors management, preferably in FMCG
• 7+ years overall experience in Credit Management with proven team leadership
• Experience in the auto finance industry is advantageous
• Strong proficiency in Microsoft Excel (including pivot tables)
• Knowledge of credit scoring models, risk assessment, financial analysis, and collection processes
• Excellent analytical, communication, and problem-solving skills