The Credit Manager: Builders & Shield is responsible for leading end-to-end credit management activities across Builders and Shield including driving proactive management of customer credit risk, overseeing debt collection activities, maintaining accurate and clean master data, and ensuring that store credit teams perform optimally within set KPIs. The role is also expected to collaborate with Legal, Finance and outsourced service providers to manage high-risk accounts and legal collections, ensuring that customer credit practices align with business objectives and governance standards.<\/p>\n
FUNCTIONS \/ RESPONSIBILITIES:<\/p>\n
Credit Risk and Debt Collection Strategy Execution<\/p>\n
\tDrive the implementation of credit control strategies tailored to Builders and Shield, aligned to group credit policies.
\n\tSet monthly cash collection targets for stores based on historical performance and forecasted trends.
\n\tReview, monitor, and enforce compliance to debt collection procedures across all allocated stores.
\n\tProactively identify high-risk accounts and ensure timely intervention or escalation to Legal for recovery action.
\n\tMonitor and manage outsourced debt collection partner performance and track recovery outcomes.<\/p>\n
Outstanding Account Management<\/p>\n
\tOversee the tracking, follow-up, and resolution of overdue and defaulting accounts across the portfolio.
\n\tConduct monthly portfolio reviews with store leadership, analyzing default trends and actioning remedial steps.
\n\tLead the issuing of formal communications (e.g. reminder letters) ensuring escalation and sign-off protocols are followed.
\n\tPromote and monitor practices that reduce debtor risk exposure, including obtaining trade security where appropriate.<\/p>\n
Master Data Integrity and Compliance<\/p>\n
\tEnsure stores maintain accurate and updated debtor master data (e.g. customer contact, terms, credit limits).
\n\tChampion adherence to customer onboarding processes and approval frameworks.
\n\tCollaborate with internal audit and compliance functions to ensure clean audit trails for debtor transactions.<\/p>\n
Stakeholder and Customer Engagement<\/p>\n
\tServe as a key contact for internal stakeholders (Shield operations, store operations, legal, shared services) on customer credit matters.
\n\tStrengthen customer relationships by ensuring professional handling of debt-related queries through store teams.
\n\tMaintain a service excellence culture while enforcing disciplined credit recovery practices.<\/p>\n
Reporting, Analytics & Governance<\/p>\n
\tDesign and track key credit performance indicators such as DSO (days sales outstanding), bad debt ratios, and overdue aging.
\n\tDeliver accurate and timely credit management reporting to the Senior Manager: FP&A and AR.
\n\tUse analytics to identify trends, flag deteriorating accounts, and support decision-making on bad debt provisioning.
\n\tRecommend write-offs, legal actions, or other provisions in accordance with company policy.<\/p>\n
People Management (Store Teams)<\/p>\n
\tProvide oversight, coaching, and upskilling to store credit teams on debt management, customer engagement, and reporting.
\n\tHold regular performance and capability reviews with store finance teams to drive accountability and performance.
\n\tChampion a culture of high performance, integrity, agility, and continuous improvement across store teams.<\/p>\n
Ensure credit KPIs are well understood, cascaded, and monitored at the store level.<\/p>\n
Planning Horizon<\/p>\n
Monthly : <\/p>\n
\tDevelop and implement monthly store-level cash collection targets and action plans based on prior performance and debtor trends.
\n\tConduct monthly performance reviews with stores to analyse collections, overdue accounts, and root causes of delays.
\n\tCoordinate monthly debtor reporting and forecast alignment with finance teams.<\/p>\n
Annually:<\/p>\n
\tContribute to the annual debt management strategy, credit control planning, and performance KPIs for Builders and Shield.
\n\tCollaborate with the Senior Manager: FP&A and Accounts Receivable to inform annual provisions for bad debt and write-offs.
\n\tParticipate in annual credit risk assessments, identify high-risk accounts, and recommend mitigation strategies.<\/p>\n
Long-Term:<\/p>\n
\tSupport multi-year improvement plans for debtor book quality, master data integrity, and store capability uplift.
\n\tEngage in the development of long-term credit risk frameworks and customer engagement models for sustained collections performance.<\/p>\n
Delegated Freedom to Act ( Indicate the major independent decisions to be made by this position)<\/p>\n
\tIndependently set and enforce monthly collection targets for stores.
\n\tApprove operational actions related to credit holds, reminder letters, and escalations.
\n\tRecommend legal handovers, bad debt write-offs, and security arrangements for trade credit within defined limits.
\n\tDecide on engagement strategies for high-risk customers and defaulting accounts in consultation with stores and legal.
\n\tLead performance management interventions across allocated stores without needing approval for day-to-day decisions.
\n\tImplement process improvements and compliance controls to enhance regional collections performance.<\/p>\n
Level Of Complexity (Describe the most challenging or complex parts of your job)<\/p>\n
\tBalancing performance across multiple stores with varying capabilities, customer profiles, and volumes, while managing outsourced debt collection partners and internal legal teams.
\n\tManaging complex customer accounts including intercompany transactions, defaults, security requirements, and legal escalations.
\n\tEnsuring accurate master data and aligning store reporting to meet governance standards; interpreting performance trends to inform decisions.
\n\tInfluencing and coaching store-level staff who do not report directly to the Credit Manager, while still being accountable for their performance outcomes.
\n\tBalancing customer relationship management with strict adherence to credit control, collections targets, and compliance.<\/p>\n
Minimum Academic, Professional Qualifications & Experience required for this position<\/p>\n
Qualifications: <\/p>\n
\tBachelor\u2019s Degree in Credit Management \/ Finance\/ Accounting related qualification.
\n\tHonour\u2019s Degree in a Credit Management \/ Finance\/ Accounting related qualification preferred.<\/p>\n
Experience:<\/p>\n
\t6+years of progressive experience in a Credit Management role, preferably within a multi-brand retail and wholesale environment with at least 2 years in a supervisory or management role.
\n\tHands-on experience in account reconciliations\/ collections analytics\/ credit operations is required.
\n\tExperience in reconciliation, master data management, and resolving complex account issues.<\/p>\n
Competencies & Skills<\/p>\n
\tAdvanced knowledge of credit control practices and legal debt collection procedures.
\n\tSolid understanding of customer master data and financial reporting principles.
\n\tProficient in ERP systems (SAP, Oracle, or similar).
\n\tUnderstanding of Insurance claims process
\n\tStrong Excel and financial modeling skills for collections forecasting and performance tracking.
\n\tFamiliar with risk mitigation practices and securing trade debt.
\n\tKnowledge of consumer and commercial credit legislation and governance.
\n\tAbility to translate credit strategy into measurable regional store actions.
\n\tApplies critical thinking to interpret trends, issues, and performance data.
\n\tPartners with internal teams and outsourced partners to deliver credit outcomes.
\n\tCoaches and holds store teams accountable to drive high performance.
\n\tMaintains strong customer relationships while enforcing debt terms.
\n\tMaintains a rigorous focus on meeting cash collection and aging targets.
\n\tUses sound judgment to address escalations and avoid risk exposure.<\/p>\n
Apply via company website ( ) or<\/p>\n
www.linkedin.com<\/p>\n
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