Job Description

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Overview

Responsible for directing the administrative activities of the team with the objective of managing the business credit risk exposure.

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Qualifications

Relevant Financial Bachelor's Degree or equivalent Credit Management Qualification

Advantageous Requirements:

2 Years demonstrated experience in production and mining environment Proficiency in systems such as Microsoft D365, SAP Ariba, Coupa
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Experience

5 years demonstrated experience in credit management 5 years demonstrated experience in dealing with multi-currency collection of multi-national debts 5 years demonstrated experience in people management
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Duties

Minimised BME credit exposure risk

To implement a strong and robust financial credit risk model monitoring the process ensuring adherence to required regulations thus, improving the competitive advantage for the organisation. To review, monitor and recommend improvements to the standard operating procedures (SOP) to enhance the productivity of credit granting activities thus ensuring sound and credible risk limits for clients (risk management). Defining the principles and procedures of the credit application process to minimise BME's credit exposure. To maintain the credit database thus ensuring compliance to various financial and admin policies, procedures and processes. To provide technical guidance to the business and report on credit matters such as trends, research and analysis, legislative and policy changes.

Monitoring and reporting

Maintain process/ monitoring of credit records, cashflow forecasting and manage debtors ageing. Review receipt allocation and escalate unallocated receipts for the bank Report to Group and BME Finance Review age analysis report per country To actively manage and provide an on-time report pertaining to BME's cash inflow, in terms of actual versus estimated (budgeted) cash and debt collections, as well as analysis of the debtor's balance, ageing, overdue balances and provision for bad debts.

Customer & other stakeholder management

To identify and resolve queries and problems timeously, apply the process guidelines provided and escalate unresolved problems. Review customer reconciliation Maintain customer relations and manage escalations. Present/ attend monthly internal stakeholder meetings.

Insurance

Credit limit increases and new applications Manage and negotiate ongoing insurance cover. Review customer's financial statements and provide credit risk recommendations. Keep updated on policy and legislative changes

People Management

Management delivery of the team in their duties. Ensure they are trained and fully competent in their roles. Ensure best practice through continuous improvement initiatives.

Compliance

Adherence to credit policy and delegation of authority.

Enabled regional resources regarding credit and debtor management

To provide support, education and training to staff within the organisation and regions To contribute to the development of divisional budgets to improve working capital

Established/maintained relevant and constructive internal and external stakeholder relations

Effective relationships in the company and with relevant external stakeholders to deliver on the mandate of the role
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Job Competencies

Job Related Skills

Proficiency in MS office Attention to detail Management and Leadership skills Business Acumen Strategic Thinking Relationship building Ability to present information in a consistent, organized and accurate way Demonstrated ability in coordinating multiple deliverables across geographic areas, driving process adherence and systems adoption. Proven ability to work effectively cross-functionally Ability to communicate in both a verbal and written manner and work effectively across all levels Ability to solve problems and make decisions

General Competency Requirements:

Business Acumen - Essential

Conflict Management - Essential

Customer Focus - Essential

Timely Decision Making - Essential

Functional Technical Skills - Essential

Integrity and Trust - Essential

Motivating Others - Essential

Drive for Results - Essential

Management of change - Essential

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General

Occupational Level: Junior Management/Skilled