Head of Credit (Wholesale Business)

Position reports to: Head of Finance, WholesaleJob Overview:This position reports to Head of Finance, Wholesale Business.This is a hands-on team leader role responsible for managing the Credit and Collection function for the Wholesale Business. You will lead a team of collectors while partnering with collection agencies to drive and optimize collection and recovery activities. The role requires a strategic mindset combined with operational excellence, focusing on process optimization and driving collection performance. We’re looking for someone who is curious, focused in customer service and process improvement, likes working in a fast-paced environment and building strong stakeholder relationships. Responsibilities:Credit CollectionCredit screening of new and existing customers in accordance with Credit PolicyReview and implement an effective Credit PolicyEstablish clear collection KPIs for all team members with weekly and monthly tracking and reporting Implement and review Daily Sales Outstanding KPIsManage and supervise Collection Team to achieve the collection targets Provide coaching and development to the Collection Team to ensure professional and effective communication with customersDiscuss and negotiate with customers on the overdue outstanding debts Management of customer disputes and complaints effectively Maintain relationship with Customers to ensure prompt payment and reduce aging and debtsApproval of credit actions Review, assess and recommend appropriate credit and payment terms in customer Master Service Agreements (MSAs) to safeguard the company’s financial interests and mitigate credit risk.Bad Debt Management Management of bad debt recovery to minimize bad debt provision and write-off Minimize revenue loss through effective bad debt collection through engagement of Collection Agencies, Lawyers for legal action and updating and executing blacklisting processes ReportingMonitor and timeline reporting of KPIs including DSO, debtors ageing, and collection targets Other adhoc or periodic reporting to Senior Management.Operational ExcellenceImprovise operational tools to improve productivityReview and optimize processes that meets industry benchmark, efficiency and customer experienceCollaborate with billing and sales teams to resolve collection issue and improve processes Ensure adherence to SLAs Consistently guide and motivate staff to ensure consistent high level of staff performance, morale and discipline.RequirementsDegree in Accounting/Finance or equivalent professional qualifications (CIMA, ACCA, ICAEW, CPA, etc.).Minimum 5 years’ experience in Credit Control and Accounts Receivable management in a B2B environment.Proven leadership and stakeholder management skills.Strong business acumen, strategic thinking, and process improvement experience.Excellent communication and negotiation skills with ability to work under pressure.Advanced PC skills (MS Excel, Word, PowerPoint).Our Commitment to YouAt Time, we believe great work deserves great support. Here’s what you can look forward to when you join us:Comprehensive medical coverage for you and your immediate family, including outpatient care, hospitalisation, dental and optical benefits.Wellness support with an annual spending account for health-related needs, alternative treatments, or even paid-up premiums for personal insurance.Employee assistance during life’s big moments, from celebrations to times of bereavement.Learning & growth opportunities through dedicated time for learning, access to LinkedIn Learning and rewards for upskilling.Cash rewards for recognised certifications and full reimbursement for up to two approved professional memberships each year.*Only shortlisted candidates will be notified.