HABIBA YASMIN MACONHA
Credit Manager
Sandown, Sandton,Gauteng
Summary
Service-oriented Credit manager with track record of consistently delivering highest levels of performance. Tactful and dynamic professional offering great acumen in sales generation and customer relationship management. Knowledgeable in financial and credit analysis, credit modeling and market status monitoring. Waged with a mouthful in work experience, Privileged perform academic studies in sound Schools and University which widens and enhance the ability and flexibility to learn, adapt and clinch excellent performance ratings in any area above cited. Also blessed with opportunity to work in well profiled companies such as, Coca-Cola, Afrox (A Member if the Linde Group), Avis, Ab-Inbev and Currently Nepomuceno Logistics. Knowledgeable in Financial and Credit Analysis, Financial Interpretation, Credit modeling and market status monitoring.
Overview
13
13
years of professional experience
4
4
Languages
Work History
Credit Manager
Ab-InBev Mozambique, Cervejas De Mozambique
Maputo
2017.08 - 2023.04
- Manage all new contractor accounts by processing applications and researching personal and business credit history to determine account terms and credit limits
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
- Reconcile customer account discrepancies to determine balance owed on statements and open invoices to collect on past-due accounts
- Collaborate with sales, finance, and collections teams on all collections-related operations to acquire organizational goals
- Maintain corporate credit policy, negotiate payment programs with delinquent customers, and manage clients' credit files
- Supervise and coordinate workers' activities in resolving customer problems and complaints, such as merchandise, service, and billing
- Oversee credit and collection activities to ensure compliance with collection principles, BSC standards, AB InBev policies, and SLAs
- Process all month-end reports required and generate monthly statements
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Contribute to building and maintaining robust relationships among BSC, business units, and customers
- Reduced risk of carrying cash to drivers as well as cash rotation fraud by replacing cash collection system with POS devices from banks that accepted payment through Credit/ Debit cards and mobile money
- Implemented transformation tools, such as Reference Verification with banks, resulting in minimizing unidentified and unallocated deposits by 90%
- Directed OTC transition and deployment of new Global Credit Policy to integrate same business modules, processes, and procedures across globe
- Engaged in agile championships and recognized as first official product owner/Scrum Master for Ab-InBev Mozambique
- Established refreshable credit report linked to company's system (SYSPRO), providing users with live, account status
- Collaborated with management to evaluate credit strategies and develop improvements.
- Regained 30% of bad debts and written-off accounts by leveraging exceptional management expertise.
- Compiled data critical to analysis of annual bad debt.
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents.
- Recognized across organization for diligence, accuracy and contributions toward maintaining positive cash position through problem resolution.
- Referred delinquent accounts to collections department or outside resources.
Senior Financial Accountant
Avis Mozambique LDA
Maputo
2013.07 - 2017.07
- Evaluated credit risk and other transactions and prepared monthly, quarterly, and annual financial statements to ensure compliance with FIRS policy
- Analyzed financial statements and created forecasts for future performance of company
- Generated financial statements, as well as both interim and annual reports for Internal Stakeholders Auditing organizations.
- Provided expert advice on financial matters to management regarding capital expenditures, cash flow concerns, and investment opportunities
- Ensured accurate and timeous month-end closure by managing AP, AR, bank functions, and operations on required feed of information.
- Increased company revenue through streamlining payment services and conducting extensive internal audits to reveal and review discrepancies.
- Maintained and reconciled balance sheet and general ledger accounts.
- Reconciled account information and reported figures in general ledger by comparing to bank account statement each month.
- Kept fixed asset register to provide complete transparency of all asset data monthly.
- Facilitated good corporate governance to meet company's legal requirements.
- Compiled budget figures by reviewing past budgets, evaluating estimated income, and assessing expenses.
- Organized budget documentation and tracked expenses to maintain tight business controls.
- Identified areas of improvement via auditing in collaboration with internal/external auditors and regulatory authorities
- Streamlined business operations by optimizing quality of financial reports presented for month end.
Accountant
Afrox Mozambique Lda
Maputo
2011.09 - 2013.08
- Documented cash, credit, fixed assets, accrued expenses, and line of credit transactions.
- Credit Risk Assessment, Trade Terms Review and Credit Control in compliance with Company Policy
- Completed daily cash functions like account tracking, payroll and wage allocations, budgeting, donating, and cash, and banking reconciliations.
- Identify changes in payment patterns and propose action to avert indebtedness
- Reconciled accounts and reviewed expense data, net worth, and assets.
- Regularly making contacts with customers to ensure all relevant debts are professionally managed
- Handled day-to-day accounting processes to drive financial accuracy.
- Make payment allocation as per remittance received or as per Company's Allocation Policy
- Reconcile all customer accounts
- 100% ownership of General Ledger and Supporting Reconciliations
- Complete banking sheets and handover for actual banking – Daily Treasury Management
- Conducted technical and analytical reviews of tax returns to check for accuracy and qualified deductions.
- Cooperated with senior leaders to create operating budgets and initiate financial planning.
- Tracked funds, prepared deposits and reconciled accounts.
Accounts Payable Supervisor
Coca Cola, Mozambique SARL
Maputo
2010.01 - 2011.09
- Ensure that 100% supplier accounts on SAP are reconciled and updated correctly
- Resolve open items on vendor account before payment run
- Generated and submitted invoices based upon established accounts receivable schedules and terms.
- Reviewed open purchase orders for integrity, accuracy and completeness of vendor information.
- Processed all vendor invoices promptly in accordance with company policy.
- Perform analysis and clearance of Age Report monthly
- Secure Balance sheet reconciliation on GL of AP accounts
- Continuous update and creation of Vendor Master Data
- Manage timely payments of vendor accounts, local and foreign suppliers
- Optimized organizational systems for payment collections, AP/AR, deposits, and record-keeping.
- Participate in Monthly and Year end stock count
- Researched all invoices that were past due.
- Prepare recons as per group standards for all Accounts Payable accounts and file in GL file on monthly basis
- Liaison with Group Internal and External Auditors as well as other Regulatory Authorities and adhere to Treasury Policy
- Completed month-end closings with journal entries and reconciling accounts.
- Recruited, interviewed and hired new accounts payable employees.
- Trained and supported new hires to educate on process flow and interdepartmental procedures.
- Created business continuity plans for department in event of disaster or outage.
- Built highly-efficient administrative team through ongoing coaching and professional development opportunities.
- Implemented project management techniques to overcome obstacles and increase team productivity.
- Kept high average of performance evaluations.
Education
Bachelor of Commerce - Finance And Financial Management Services
UNISA
South Africa12.2010
High School Diploma -
Bracken High School
Bracken Hurst - Alberton2002
Skills
- MS Windows
- Policy Development
- Client Relationship Management
- Policy Implementation
- Cost and Budget Analysis
- Risk Analysis
- Familiar with Account Coding
- Lotus Notes Software
- Microsoft Access
- SAP
- ACCPAC
- PROTHEUS
- HIGH RADIUS
- FLOW CENTRIC
- SYSPRO
- Coordinate Training
Languages
English
Bilingual or Proficient (C2)
Portuguese
Bilingual or Proficient (C2)
Afrikaans
Advanced (C1)
Zulu
Upper intermediate (B2)
Timeline
Credit Manager
Ab-InBev Mozambique, Cervejas De Mozambique
2017.08 - 2023.04
Senior Financial Accountant
Avis Mozambique LDA
2013.07 - 2017.07
Accountant
Afrox Mozambique Lda
2011.09 - 2013.08
Accounts Payable Supervisor
Coca Cola, Mozambique SARL
2010.01 - 2011.09
Bachelor of Commerce - Finance And Financial Management Services
UNISA
High School Diploma -
Bracken High School
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