Credit Officer

To manage the credit function by ensuring timely evaluation and approval of customer credit, monitoring of receivables, and minimizing the company’s financial risk while maximizing sales

Key Responsibilities:

1. Credit Management:

1. • Evaluate and analyze credit applications from customers.
   • Set and monitor credit limits in line with company policy.
   • Ensure all credit approvals are documented and aligned with internal guidelines.

1. Accounts Receivable Monitoring:

1. • Track outstanding receivables and ensure timely collection.
   • Reconcile customer accounts regularly.
   • Prepare aging reports and escalate long-outstanding debts.

1. Risk Analysis & Control:

1. • Perform credit risk assessments using financial data and customer history.
   • Propose risk mitigation measures to reduce exposure.
   • Flag high-risk customers and suggest action plans.

1. Customer Relationship Management:

1. • Communicate with customers regarding overdue invoices.
   • Resolve disputes and ensure customer satisfaction while enforcing payment terms.

1. Reporting:

1. • Generate daily, weekly, and monthly credit reports for management.
   • Provide insights on customer payment behavior and credit performance.

1. Compliance and Documentation:

1. • Maintain updated records for all credit transactions.
   • Ensure compliance with internal credit control policies and external regulations.
   • Assist auditors during credit reviews.

 Key Qualifications and Skills:

• Diploma in Accounts or related field.
• Minimum 2 years of credit control experience, preferably in the FMCG sector.
• Strong understanding of credit risk and financial analysis.
• Proficient in MS office applications (Word, and MS Excel
• Excellent communication, negotiation, and interpersonal skills.
• Keen to detail and ability to work under pressure.