SENIOR CREDIT MANAGER

Acme Services; Johannesburg; On-site; ZAR 900,000 - 1,200,000; Full time

Job summary

ACME Services in Johannesburg, South Africa, seeks a Senior Credit Manager to lead credit risk, accounts receivable and collections across the business. You will set credit policy, assess risk, and optimize customer exposures.

The ideal candidate has 10+ years in credit management, at least 5 years in leadership, and experience in multinational environments. You will collaborate with Sales, Finance and Operations to drive sustainable growth while protecting working capital.

Qualifications

• 10+ years of experience in Credit Risk Management, Accounts Receivable, Collections, or Finance.
• Minimum 5 years of experience in a leadership or managerial position.
• Experience in Distribution, Technology, Telecommunications, FMCG, or multinational organisations preferred.
• Proven experience managing large customer portfolios and high-value credit exposures.
• Strong financial analysis, risk assessment, negotiation, and stakeholder management skills.

Responsibilities

• Develop and strengthen credit policies, procedures, and risk management frameworks.
• Assess and approve customer credit limits, payment terms, and credit exceptions.
• Evaluate financial statements, banking arrangements, and business performance to assess customer creditworthiness.
• Monitor customer exposures, identify potential risks, and implement mitigation strategies.
• Conduct periodic credit reviews, particularly for high-risk accounts.
• Visit markets and business partners to assess credit risks and prepare detailed reports.
• Continuously work towards securing and maximising credit insurance limits.
• Lead collection strategies to achieve monthly and quarterly collection targets.
• Monitor receivables ageing, reduce overdue debt, and improve DSO.
• Drive recovery actions for problematic accounts, including legal escalation where required.
• Collaborate with Sales, Operations, Finance, and Business teams to balance business growth with credit risk.
• Negotiate payment terms, credit facilities, and settlement agreements.
• Provide commercial guidance and support in structuring business transactions and deals.

Skills

Credit risk management

Accounts receivable

Collections

Leadership

Negotiation

Stakeholder management

Financial analysis

Job description

WE ARE HIRING | SENIOR CREDIT MANAGER

Location: Johannesburg, South Africa

Department: Credit & Collections

Reporting To: Head of Credit & Collections

ACME Services is looking for an experienced Senior Credit Manager to lead credit risk management, accounts receivable, and collections operations in Johannesburg, South Africa.

The ideal candidate should have strong expertise in credit risk assessment, credit policy development, customer exposure management, collections, and managing high-value credit portfolios.

Key Responsibilities:

Credit Risk Management

• Develop and strengthen credit policies, procedures, and risk management frameworks.
• Assess and approve customer credit limits, payment terms, and credit exceptions.
• Evaluate financial statements, banking arrangements, and business performance to assess customer creditworthiness.
• Monitor customer exposures, identify potential risks, and implement mitigation strategies.
• Conduct periodic credit reviews, particularly for high-risk accounts.
• Visit markets and business partners to assess credit risks and prepare detailed reports.
• Continuously work towards securing and maximising credit insurance limits.

Accounts Receivable & Collections

• Lead collection strategies to achieve monthly and quarterly collection targets.
• Monitor receivables ageing, reduce overdue debt, and improve DSO.
• Drive recovery actions for problematic accounts, including legal escalation where required.
• Collaborate with Sales, Operations, Finance, and Business teams to balance business growth with credit risk.
• Negotiate payment terms, credit facilities, and settlement agreements.
• Provide commercial guidance and support in structuring business transactions and deals.

Candidate Requirements:

• 10+ years of experience in Credit Risk Management, Accounts Receivable, Collections, or Finance.
• Minimum 5 years of experience in a leadership or managerial position.
• Experience in Distribution, Technology, Telecommunications, FMCG, or multinational organisations preferred.
• Proven experience managing large customer portfolios and high-value credit exposures.
• Strong financial analysis, risk assessment, negotiation, and stakeholder management skills.