Role Overview

The Credit Controller is responsible for managing and controlling the company's debtor portfolio, ensuring timely collection of outstanding invoices, minimizing credit risk, and supporting healthy cash flow. In an FMCG environment-with high transaction volumes, short product shelf life, and rapid delivery cycles-this role is critical for maintaining financial stability and strong customer relationships.

Key Responsibilities

1. Credit Management & Risk Control

- Evaluate new and existing customers' creditworthiness using credit checks, financial analysis, and trade references.

- Recommend credit limits in line with company policies and risk appetite.

- Monitor customer accounts to ensure credit terms are being adhered to.

- Identify high-risk accounts and escalate issues proactively.

2. Accounts Receivable & Collections

- Follow up on outstanding invoices via calls, emails, and customer visits when required.

- Ensure timely collection to meet DSO (Days Sales Outstanding) targets.

- Allocate receipts accurately in ERP systems (SAP, Oracle, Tally, etc.).

- Reconcile discrepancies with customers and resolve disputes promptly.

3. Customer Relationship Management

- Build strong relationships with distributors, retailers, and key account customers.

- Coordinate closely with the sales team to address customer issues affecting payment.

- Support customers with statements, invoice copies, and payment schedules.

4. Reporting & Documentation

- Prepare weekly and monthly aging reports.

- Maintain detailed records of communications and payment commitments.

- Provide regular updates on doubtful debts and collections progress.

- Assist in annual credit reviews and internal/external audits.

5. Process Improvement

- Support implementation of credit control policies and continuous process enhancements.

- Identify root causes of payment delays and recommend solutions.

- Participate in cross-functional meetings with Sales, Supply Chain, and Finance.

Key Skills & Competencies

- Strong understanding of credit control and accounts receivable processes.

- Excellent negotiation, communication, and interpersonal skills.

- Analytical mindset with attention to detail.

- Ability to work under pressure in a fast-paced FMCG environment.

- Good command of MS Excel and familiarity with ERP systems.

- Strong problem-solving and conflict-resolution abilities.

Qualifications & Experience

- Bachelor's degree in Finance, Accounting, Business Administration, or related field.

- 5 - 10 years of experience in credit control, preferably in FMCG or distribution industries.

- Experience managing large customer portfolios and high transaction volumes.

Key Performance Indicators (KPIs)

- DSO (Days Sales Outstanding) reduction

- Collection targets achievement

- Aging bucket improvements

- Bad debt minimization

- Accuracy of customer account reconciliation

- Efficiency in resolving disputes

Work Conditions

- Office-based role with occasional customer site visits.

- Interaction with Sales, Finance, and Operations teams.