Senior Credit Control Officer

Job Description:

We are seeking an experienced and detailed Senior Credit Control Officer to oversee credit management, debt collection, and customer account reconciliation. This role ensures timely payments, minimizes credit risk, and maintains healthy cash flow for the organization.

The ideal candidate will have strong analytical skills, excellent communication abilities, and a proven track record in credit control, accounts receivable management, and customer follow-up.

Key Responsibilities

Credit Management & Control

• Review and approve credit applications in line with company policies.
• Evaluate customer creditworthiness through financial analysis, payment history, and risk assessment.
• Set and monitor customer credit limits, ensuring adherence to approved terms.

Debt Recovery & Collection

• Follow up with customers on outstanding invoices and overdue payments.
• Negotiate payment arrangements and resolve disputes to accelerate collections.
• Issue reminders, demand letters, and escalate overdue accounts when necessary.
• Liaise with the Legal team on accounts requiring legal action.

Accounts Reconciliation & Reporting

• Reconcile customer accounts, investigate discrepancies, and ensure accurate payments are recorded.
• Prepare weekly and monthly ageing reports, highlighting high risk accounts.
• Provide management with cash flow forecasts and collection updates.
• Maintain clear and updated customer ledger records.

Internal Collaboration

• Work closely with the Sales, Finance, and Customer Service teams to resolve billing or delivery issues.
• Support the Finance department with month end closing activities related to accounts receivable.
• Ensure accurate documentation of credit decisions and customer interactions.

Compliance & Process Improvement

• Ensure compliance with internal credit policies and financial regulations.
• Recommend process improvements to enhance collection efficiency.
• Identify potential credit risks and propose mitigation strategies.

Qualifications

Education

• Bachelor’s degree in Accounting, Finance, Business Administration, or a related field.
• Professional certification (ICAN, ACCA, CITN) is an added advantage.

Experience

• 5–7 years experience in credit control, accounts receivable, or financial operations.
• Proven experience managing large customer portfolios and high-volume transactions.
• Strong background in credit analysis, collections, and reconciliation.

Skills & Competencies

• Excellent negotiation and communication skills.
• Strong analytical and numerical abilities.
• Proficiency in accounting software
• High attention to detail and strong organizational skills.
• Ability to work under pressure and meet strict deadlines.
• Strong interpersonal skills and a customer focused mindset.

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