Credit Representative

SUMMARY:
Credit Representative

POSITION INFO:

We are looking for a skilled and analytical Credit Representative to manage customer accounts, drive collections, reduce overdue receivables and minimise credit risk. The successful candidate will be responsible for managing an assigned portfolio of complex and high-value customer accounts, resolving payment disputes and account discrepancies, and collaborating with internal teams to support effective credit management and business operations.

Key Responsibilities

• Manage an assigned portfolio of customer accounts and implement collection strategies to reduce outstanding balances and overdue receivables.

• Monitor aged receivables, Days Sales Outstanding (DSO) and account management performance.

• Communicate with customers and internal stakeholders regarding outstanding payments, invoices and account queries.

• Investigate and resolve complex account issues, including disputes, unapplied payments, reconciliations and refunds.

• Handle escalated customer queries and payment delays.

• Collaborate with the Sales Team on credit decisions, order approvals, collections and account management.

• Review customer account information and supporting documentation to facilitate collections.

• Work with Credit Risk Management to minimise financial risk and manage high-risk accounts.

• Maintain accurate customer account records and adhere to company policies, procedures and service-level agreements.

• Support the training of new team members and assist credit management with team-related activities when required.

Minimum Requirements

• A bachelor''''s degree, or currently enrolled in a bachelor''''s degree programme, in Finance, Accounting, Economics or a related field.

• Alternatively, relevant experience in credit, finance, accounting or a related field may be considered as a partial substitute for formal education.

• Strong understanding of credit control, collections, account reconciliation and financial analysis.

Preferred Qualifications and Skills

• A degree in Finance, Accounting or a business-related field.

• Experience with Microsoft Office, particularly Excel, Word and Outlook.

• SAP experience.

• Strong analytical, research and problem-solving abilities.

• Excellent written and verbal communication skills.

• Good organisational and time-management skills.

• Ability to manage multiple priorities and complex customer accounts independently.

• Strong attention to detail and accuracy.

• Sound judgement and decision-making skills.

• Ability to collaborate effectively with customers, Sales and internal credit teams.