Credit manager

Duties and Responsibilities: Lead and manage the end-to-end credit, collections, and debtor management function Develop, implement, and enforce credit policies, credit limits, and payment terms Conduct customer credit assessments and evaluate credit risk exposure Drive collections performance and manage overdue accounts and debtor ageing Monitor and mitigate debtor risk to protect company cash flow and working capital Manage credit insurance, securities, guarantees, and legal recovery processes where required Partner with commercial and operational teams to support responsible customer trading activities Strengthen credit governance, internal controls, and compliance processes Prepare and analyse debtor reports, credit risk reports, and collection performance metrics Identify opportunities to improve credit processes, automation, and reporting efficiencies Lead, mentor, and develop the debtors and collections team Maintain strong rela...