Anele Mputa

Results-oriented Finance Collections and Credit Control Professional with expertise in debt recovery, portfolio management, and credit risk assessment. Specialises in client evaluations, financial analysis, loan compliance monitoring, and early risk signal identification. Implements collection strategies, negotiates payment solutions, and ensures compliance with credit policies. Contributes to portfolio performance and sustainable business growth through effective credit management.

• David, Jeffery, Senior Portfolio Manager: Collections, 083 584 1861, 012 748 9600
• Thandi, Matlala, Team Leader Collection, 064 969 2172, 012 748 9600
• Natasha, Kellerman, Area Manager, 011 516 3000
• Portia, Mbovane, Supervisor, PMbovane@thdti.gov.za, 072 494 9978, 012 394 3825

• Conducting site visits to confirm the disbursements on all the clients in the allocated portfolio.
• Collection and analysis of clients' management reports and/or bank statements.
• Identifying early warning signals and recommending corrective actions.
• Monitoring of clients' re-payment arrangements.
• Early warning triggers, including non-submission and post financial analysis thereof, must be attended to immediately.
• Working closely with both PIOs in Monitoring and work-out on all client related matters with a view to finalising restructures quicker to assist with curing of impairments.
• Ensuring that proactive and effective monthly credit control interventions take place in line with the documented processes and procedures with a view to increasing the collection rate of all clients. This includes issuing of breach letters, listing defaulting clients on the credit bureau.
• Ensure that an aggregate collections ratio target on the total portfolio instalments raised on your portfolio is achieved.
• Follow up on debit orders that are returned unpaid and properly document the reasons thereof and corrective actions.
• Facilitate payment arrangements of arrear amounts in line with the approved Delegation of Authority.
• Ensure clients are correctly categorised monthly to ensure portfolio reporting is accurate.
• Document each interaction with clients on the collection system.
• Prepare legal handover reports that will assist specialised collections department to understand the chronology of events

• Position: Collections Officer
• Key Responsibilities
• Managed customer accounts to maximize debt recovery and maintain a healthy debtors portfolio.
• Performed proactive credit control activities to improve collection rates and minimize financial losses.
• Issued breach letters, letters of demand, and facilitated the listing of defaulting clients with credit bureaus.
• Followed up on overdue accounts and unpaid debit orders, investigating causes and implementing corrective actions.
• Negotiated payment arrangements and repayment plans with clients in accordance with approved authority levels.
• Monitored portfolio-at-risk accounts and implemented strategies to reduce delinquency and improve collections performance.
• Conducted portfolio risk assessments and identified early warning signals requiring intervention.
• Prepared settlement quotations and facilitated account settlements where applicable.
• Maintained accurate records of all client interactions, including telephone calls, emails, letters, and SMS communications.
• Collaborated with portfolio investment officers and restructuring teams to support rehabilitation and recovery initiatives.
• Prepared legal handover reports and supporting documentation for accounts requiring litigation or external recovery action.
• Ensured compliance with loan agreements, undertakings, and other contractual obligations.
• Verified that loan securities and supporting documentation were maintained and updated.
• Collected and reviewed management accounts and annual financial statements to assess clients' financial performance.
• Monitored the utilization of funds disbursed to clients and prepared utilization reports.
• Communicated payment due dates and provided loan statements to clients on a regular basis.
• Maintained accurate portfolio reporting and ensured client information was updated on the collections management system.
• Developed and maintained strong client relationships while ensuring adherence to company policies and collection procedures.