To manage and control the credit portfolio of the company, ensuring financial risk is minimized while supporting commercial growth. This role acts as a strategic partner to the business, providing financial insights and governance to drive sustainable performance.

. Credit Portfolio Management

• Maintain and manage the customer credit portfolio and master data, ensuring all legal documentation is accurate and up to date.

• Evaluate credit eligibility of new and existing customers, providing detailed analysis and justification for credit approvals.

• Monitor Bank guarantees and other financial instruments to control customer credit risk.

• Review and adjust credit limits and payment terms in alignment with company policy and prevailing market conditions.

• Define KPI’s and implement adequate measurements Ensuring the execution and optimization of Credit policy within the Commercial business, in accordance with the corporate guidelines.

2 Financial Reporting and Month-End Closing

• Complete month-end closing procedures, including documentation reviews and reconciliations.

• Maintain monthly reporting systems for debtor age analysis and prepare customer statements of account.

• Reconcile trade disputes and collaborate with receivables teams to support business activities. Provide receivables and cash flow projections to aid strategic planning.

• 1. Credit Portfolio Management   Maintain and manage the customer credit portfolio and master data, ensuring all legal documentation is accurate and up to date.   Evaluate credit eligibility of new and existing customers, providing detailed analysis and justification for credit approvals.   Monitor Bank guarantees and other financial instruments to control customer credit risk.   Review and adjust credit limits and payment terms in alignment with company policy and prevailing market conditions.   Define KPI’s and implement adequate measurements Ensuring the execution and optimization of Credit policy within the Commercial business, in accordance with the corporate guidelines.     2 Financial Reporting and Month-End Closing   Complete month-end closing procedures, including documentation reviews and reconciliations.   Maintain monthly reporting systems for debtor age analysis and prepare customer statements of account.   Reconcile trade disputes and collaborate with receivables teams to support business activities. Provide receivables and cash flow projections to aid strategic planning.                 3. Performance Analysis and Forecasting   Prepare credit performance reports and analyze historical data to forecast customer financial behavior. Deliver business intelligence insights to mitigate risks and identify growth opportunities.       4. Compliance and Governance   Ensure compliance with IFRS/Company standards for ageing and bad debt provisions.   Collaborate with legal teams on debt recovery initiatives and develop new control policies to enhance operational efficiency and governance.       5. Stakeholder Engagement   Confirm and perform credit release with supply chain customer service.   Manage customer dispute with the sales managers.   Build and maintain strong relationships with banking partners and internal stakeholders.   Support other commercial business activities as required.

FD, Financial Reporting Manager, Sales Managers, Depot and Warehouse Managers etc