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Minimum Job Requirements:Degree or Diploma in Finance, or Business Administration.Credit Management Certification, a strong preference.Banking industry experience essential.Minimum 5 yearsâ?? experience in Credit Management or Analysis within retail or FMCG.Minimum 5 yearsâ?? experience in a Management role overseeing national or large-scale credit operations.Skills Requirements:Commercial and business acumen.Legislation (FIC, Insolvency Law, Companies Act, National Credit Act).Experience in credit and financial analysis software.Team player who can thrive under pressure and also function independently.Build strategic and collaborative working relationships.Key Performance Areas:Report to the National Finance Executive:Credit Risk Management:Monitor and manage the overall credit risk exposure to acceptable levels.Design, implement and maintain a Credit Committee Charter and Terms of Reference for Retailer Loans.Develop and implement credit management policies and proceduresCreate credit scoring models to predict risks.Credit Evaluation:Lead the conducting of thorough credit assessments for new and existing customers.Determine creditworthiness (including financial stability), approve recommended credit limits, credit extensions, required security, legal action, perfection requests, bad debts write offs, store feasibilities, etc.Lead the setting of appropriate credit limits and terms based on analysis and company policies.Collections and Receivables Management:Implement effective collection strategies and follow up on overdue accounts.Provide direction on the negotiation of payment plans.Provide direction with regards to addressing any credit related disputes or concerns.Assist with finding mutually beneficial resolutions to maintain customer satisfaction.Closely monitor overdue percentages, economic factors, debtorsâ?? days and customer payment patterns.Compliance:Ensure compliance with the FIC Act, National Credit Act/Regulations, and ensue related statutory submissions are attended to regularly and timeously.Ensure appropriate document management systems are in place to support the FIC Act requirements.Reporting & Administration:Provide insights and recommendations to Senior Management for decision-making on credit management strategies.Attend and administer the monthly Credit Committee meeting and drive outcomes as well as related projects.Implement reporting functionality and capability that allows for effective credit management oversight by relevant stakeholders, including guidance on dispute resolutions.Customer Re https://www.executiveplacements.com/Jobs/N/National-Credit-Manager-1193449-Job-Search-06-10-2025-04-44-08-AM.asp?sid=gumtree

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Executive Placements

Pinetown

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The Collections Specialist is responsible for analyzing delinquent accounts, ensuring timely collection of outstanding payments, implementing recovery strategies and ensuring compliance with regulatory requirements. This position requires strong analytical skills, attention to detail, and a solid understanding of vehicle financing and credit risk.Core ResponsibilitiesAnalyze delinquent accounts and implement recovery strategies.Ensure timely collection of outstanding payments and compliance with financial regulations.Develop, maintain, and improve collections systems, processes, and management principles.Formulate and implement annual collections and risk control plans.Review legal and regulatory updates; recommend and implement policy changes.Develop and negotiate repayment plans and settlements with customers.Recommend accounts for legal action, write-offs, or repossession based on analysis.Generate regular reports on aging accounts, trends, and collections performance.Collaborate cross-functionally (Risk, Legal, Business Development) to improve collections effectiveness.Contact customers via phone/email to recover payments.Conduct credit reviews, loan assessments, and post-loan monitoring.Participate in legal case management, intellectual property handling, and regulatory coordination.Support product development and process improvements with collections insight.Implement and promote a strong internal compliance and risk-aware culture.Key Technical Skills & ToolsCredit risk assessment and delinquency managementFinancial report analysis and dealer evaluationKnowledge of legal processes (repossession, litigation)CRM and collections systemsPredictive modeling and automation toolsStrong MS Office proficiency (Excel, Word, PowerPoint)Qualifications & ExperienceBachelors degree in Finance, Accounting, Economics, or related fields (preferred)23+ years of relevant experience (automotive finance preferred)Knowledge of principles of finance, credit management, commercial banking, and financial analysisFamiliarity with auto finance industry regulations and collections best practicesExperience working with commercial vehicle dealers or fleet operators is advantageousProfessional & Core CompetenciesStrong communication and coordination skills (including professional phone etiquette)Analytical thinking and problem-solving abilitiesAbility to identify customer risks and take timely actions to mitigate themUnderstanding of macroeconomi https://www.executiveplacements.com/Jobs/C/Collections-Specialist-1192608-Job-Search-06-06-2025-04-45-23-AM.asp?sid=gumtree

Executive Placements

Kensington

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"loans with no credit" in South Africa

loans with no credit in South Africa (105 results)

Results for loans with no credit in "loans with no credit" in South Africa in South Africa