Credit Control & Collection Officer

Role Overview

We are seeking an experienced and results-driven Credit Control & Collections Officer to lead collections, accounts receivable, and debt recovery activities. The successful candidate will be responsible for reducing bad debt exposure and improving collection performance across the organization.

This role requires a strong blend of operational expertise, stakeholder management, risk assessment, customer negotiation, and process improvement capabilities.

Key Responsibilities

Credit Control & Accounts Receivable Management

• Manage the company's accounts receivable portfolio and monitor customer credit exposure.
• Review customer aging reports and prioritize collection activities based on risk levels.
• Ensure timely collection of outstanding receivables while maintaining positive customer relationships.
• Monitor delinquent accounts and implement proactive recovery strategies.

Collections & Debt Recovery

• Develop and execute collection strategies to improve cash recovery and reduce overdue balances.
• Negotiate repayment arrangements and settlement plans with customers.
• Manage escalated collection cases and high-risk accounts.
• Work closely with external collection agencies, legal advisors, and debt recovery partners when required.
• Initiate legal recovery actions, including demand letters, small claims proceedings, and litigation support.
• Partner with Finance, Sales, Operations, Customer Service, and Legal teams to resolve complex account issues.

Requirements

Education

• Diploma or Bachelor's Degree in Finance, Business Administration, or a legal related discipline.

Experience

Minimum 2 years of experience in:

• Collections Management
• Accounts Receivable
• Debt Recovery

Key Competencies

Technical Skills

• Debt Recovery & Legal Collections
• Bad Debt Provisioning
• Process Improvement

Soft Skills

• Strong negotiation and influencing skills
• Problem-solving and decision-making ability
• Ability to manage difficult conversations professionally

Key Performance Indicators (KPIs)

• Collection Effectiveness Index (CEI)
• Bad Debt Reduction
• Recovery Rate
• Customer Dispute Resolution Time