Daniel Ramali
Credit, Collections, and Revenue Manager
Gauteng
Summary
- 16 Years of comprehensive experience in Credit, Collections, and Revenue Management, including 10 years in leadership roles, specializing in full-spectrum credit management across diverse industries in Key Accounts on (corporate, mining, manufacturing, retail, municipalities, government, FMCG). Proven expertise in managing large accounts receivable portfolios, optimizing credit processes, driving revenue recovery, and leading high-performing teams to achieve operational excellence and financial targets. Adept at minimizing bad debt exposure through rigorous adherence to credit policies, enhancing cash flow, and supporting profitable sales growth. Consistently exceeds collection targets and cash flow objectives through strategic leadership and performance management.
Overview
3
3
Languages
10
10
years of professional experience
Work History
Credit, Collections And Revenue Manager
PG GLASS a div of PG Group
Bedfordview
09.2023 - 03.2026
- Conducted credit evaluations and assessments for new and existing customers, establishing credit limits that balanced risk with sales opportunities.
- Conducted thorough credit evaluations and assessments for new and existing customers, establishing appropriate credit limits to balance risk and sales opportunities.
- Led, motivated, and managed a large and diverse credit control team, fostering a culture of accountability, high performance, and continuous improvement that drove exceptional results.
- Proactively managed and reduced overdue accounts through the implementation of targeted collection strategies, early escalation of high-risk accounts, and minimizing bad debt exposure to protect and optimize company cash flow.
- Served as a strategic finance partner to Sales, Operations, and Commercial teams, effectively balancing customer relationship management with the company's financial interests and risk appetite.
- Provided critical insights and feedback to senior management in weekly and monthly meetings, presenting comprehensive DSO and debt collection reports to inform strategic decisions.
- Established and monitored Key Performance Indicators (KPIs) to drive team performance and align with strategic objectives.
- Conducted in-depth, regular age analysis reviews to identify emerging trends, high-risk customer segments, and collection gaps, ensuring firmly and effective corrective actions were implemented across all regions.
- Collaborated with Sales, Operations, and Finance teams to resolve complex customer disputes, enhance billing accuracy, and expedite resolution of account queries affecting collections.
Assistant Credit Manager
Komatsu Africa Holdings
Germiston
01.2019 - 08.2023
- Ensured unwavering adherence to credit policies and operational standards across all national branches, mitigating risk.
- Managed complex dispute resolution processes with challenging customers, enhancing customer relations.
- Oversaw the seamless onboarding of new clients, ensuring full compliance with established credit policies and procedures.
- Drove significant improvements in Days Sales Outstanding (DSO) and reduced overall debtor days through strategic collection initiatives.
- Liaised with external auditors, banks, and key stakeholders on critical financial matters, ensuring operational continuity.
- Led and managed complex dispute resolution processes with challenging customers.
- Prepared and presented comprehensive weekly and monthly accounts receivable reports to the Executive Committee (Exco).
- Liaised effectively with external auditors, banks, and key stakeholders on critical financial matters, facilitating smooth operations.
- Prepared accurate and timely quarterly IFRS 9 compliance debt provision reporting, ensuring regulatory adherence.
- Monitored group age analysis reports, proactively identifying and addressing risks to mitigate potential financial exposure.
- Scheduled and led productive weekly and monthly credit meetings with direct reports and the credit committees, fostering collaboration and driving action.
Senior Credit Controller
Komatsu Mining
Wadeville
10.2015 - 12.2018
- Successfully resolved complex customer disputes and negotiated favorable payment terms to maintain healthy customer relationships and cash flow.
- Managed a portfolio of debtors, ensuring strict adherence to credit management processes and policies at all times.
- Checked and verified new credit application forms for completeness and accuracy, performing thorough credit evaluations to mitigate risk.
- Accurately allocated customer payments against outstanding invoices based on remittance advice, ensuring precise reconciliation.
- Reconciled customer accounts on a weekly basis, providing detailed and accurate reports to management.
- Processed credit requests for refunds in a firm and accurate manner.
- Managed portfolio of debtors, adhering to credit management processes and policies.
- Built and maintained strong, trust-based senior-level client relationships, fostering long-term partnerships.
- Prepared bad debt provision and IFRS 9 reports for Exco reviews, ensuring financial accuracy and compliance.
Education
Advanced Diploma - Credit Management
Tshwane University of Tech
Tshwane01-2025
Advanced Certificate - Credit Management Level 5
Credit Professional Institute
Johannesburg01-2019
Matric - Commerce subjects
Patrick Ramaano Secondary
Limpopo01-2012
National Diploma - Financial Information System
Vaal University of Tech
Vanderbijlpark01-2007
Skills
Credit Risk Management
Revenue Cycle Management
Accounts Receivable Management
Team Leadership & Development
Bad Debt Provisioning
IFRS 9 reporting
Exco level & Board debtors reporting
SAP R/3 & S4 Hana
Oracle Financials
SYSPRO
Microsoft Power BI
CRM Systems
Invoicing & Billing Processes
Excel(Pivot tables V-lookups & Formulas)
Knowledge of National Credit Act, POPIA, & Vat Act
Analytical and communications skills
Data analysis and visualization skills
Accomplishments
- Reduced DSO from 60 to 33 days through targeted debtor management strategies.
- Developed a training program that improved staff productivity by 80% in six months.
- Increased cash flow by 85% within one fiscal year by optimizing collection processes.
- Led a credit team to achieve a 90% collection overdue balances rate by creating clear KPIs.
Timeline
Credit, Collections And Revenue Manager
PG GLASS a div of PG Group
09.2023 - 03.2026
Assistant Credit Manager
Komatsu Africa Holdings
01.2019 - 08.2023
Senior Credit Controller
Komatsu Mining
10.2015 - 12.2018
Advanced Diploma - Credit Management
Tshwane University of Tech
Advanced Certificate - Credit Management Level 5
Credit Professional Institute
Matric - Commerce subjects
Patrick Ramaano Secondary
National Diploma - Financial Information System
Vaal University of Tech