Lerato Swartz
Senior Credit Controller
Johannesburg
Summary
Seasoned and goal driven Senior credit controller, more that just a debt collector with wealth of Experience of over 12 years within various environments and sectors.
Extensive credit control and debt collecting experience with a demonstrated track record , including proven accomplishments and strong computer literacy skills
Book value between 5million to 20 million, honest strong team player and believe that a good communicating team is more productive and key to success.
Prioritize the success of the team interests, ability for adapting to a wide range of people, and open to differences, attitudes, values and personalities
Detailed-orientated and very meticulous – remain involved until the target is reached – even if it means working after hours Strong organizational skills – love it!
Ridiculous amounts of focus, accuracy and stamina Versatile, adaptable and energetic
Hardworking Credit Officer well-versed in reviewing financial documents, preparing loan packages and making recommendations based on risk values. Detail-oriented and thorough with excellent judgment and good verbal and written communication strengths.
Overview
7
7
years of professional experience
3
3
years of post-secondary education
Work History
Senior Credit Controller
Mix Telematics Africa
Johannesburg
12.2020 - Current
- Book Value 15mil to 20 mil (Corporate Accounts)
- Credit controller within vehicle tracking environment(Dealerships)
- Credit Vetting new clients
- Processing of Reconciliations, Statements, Invoices and credit notes
- Made decisions and recommendations about extending lines of credit.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Payment allocations and Refund pay overs.
- Handling client queries
- Reconciling complex month end accounts
- Export age analysis and ensure to reconcile and maintain debtors account.
Credit Controller
Mixtelematics Africa
Johannesburg
11.2018 - 11.2020
- Book Value 8mil to 10mil (Responsible for collecting on individual clients, consumer accounts
- Responsible for investigating and resolving all queries on debtor's accounts by escalating to various departments and to ensure that these corrections are processed timorously and accurately
- Proactively manage debt collection on assigned accounts
- Issuing of statements and recons to customers in accordance with SOPs
- Reduce Debtor days and increase company revenue
- Agree to payment plans with customers and ensure that are adhered to Investigation and resolution of queries to facilitate payments from customers
- Liaison and communication with internal departments as required in order maintaining accurate position on customer accounts
- Preparation of weekly reports and assisting other credit controllers as and when require.
- Prepare credit notes and process refunds where applicable.
- Preparing accounts for handed over
- Allocations of payments and rehabilitation of accounts.
- Preparations and batching of small balance write-off, credit write-up, Bad debt write off and Settlement billing.
- Kept all operations compliant with applicable regulations and established company policies.
- Reviewed customer accounts for compliance with repayment obligations.
Customer Care Consultant
Mix Telematics Africa
Johannesburg
09.2018 - 12.2019
- Resolution of client queries
- Managed more that 100 incoming calls per day
- Responded to customer requests, offering excellent support and tailored recommendations to address needs.
- Responded to customer needs through competent customer service and prompt problem-solving.
- Logged call information and solutions provided into internal database.
- Addressed customer complaints and mitigated dissatisfaction by employing timely and on-point solutions.
- Resolved concerns with products or services to help with retention and drive sales.
- Navigated multiple computer systems and applications to find information.
- Trained new employees on best practices and customer care procedures to eliminate inefficiencies.
- Resolved Clients queries.
- Responded proactively and positively to rapid change.
- Collaborated with sales team members to stay current on inventory levels, complete accurate orders, and resolve item issues.
- Responded to customer needs through competent customer service and prompt problem-solving
- Addressed customer complaints and mitigated dissatisfaction by employing timely and on-point solutions
- Generated weekly and monthly reports to highlight customer service performance and measure milestones
Sales Consultant
Joshua Trust
Johannesburg
01.2016 - 12.2016
- Managed over 70 customer calls per day
- Used consultative sales techniques to understand customer needs and recommend relevant products and services.
- Created detailed sales presentations to communicate product features and market data.
- Increased sales by fostering relationships with customers, implementing business strategies and suggesting areas for improvement.
- Followed up with existing customers to provide additional support and address concerns.
- Maximized customer retention by resolving issues quickly.
- Retained consistent client base by conducting market research to develop brand strategy.
- Evaluated customer purchase requirements and recommended best-fit company offerings.
- Oversaw daily outbound calls to identify services that address primary needs.
- Retained consistent client base by conducting market research to develop brand strategy
- Responded to telephone and in-person requests for information
Education
Certificate in Credit Management 1 And 2 - Credit Management
Credit Blende Training
Johannesburg 01.2022 - Current
Generic Management (NQF 4) – FET Certificate. - Generic Management (NQF 4) – FET Certificate.
Seta Accredited
Johannesburg 09.2017 - 10.2018
Computer Literacy Certificate - EUC Computer Literacy
KOEC Center
Johannesburg 01.2013 - 03.2013
Certificate in Basic Call Centre Training - Basic Call Centre Training
KOEC Center
Johannesburg 04.2013 - 06.2013
Skills
Credit programs
Credit decisions
Financial statements expertise
Verbal and written communication
Commercial and consumer clients
High risk account reviews
Accomplishments
Certificate in Credit Management 1 and Credit Management 2
Certificate in Generic management NQF level 4
Timeline
Certificate in Credit Management 1 And 2 - Credit Management
Credit Blende Training
01.2022 - Current
Senior Credit Controller
Mix Telematics Africa
12.2020 - Current
Credit Controller
Mixtelematics Africa
11.2018 - 11.2020
Customer Care Consultant
Mix Telematics Africa
09.2018 - 12.2019
Generic Management (NQF 4) – FET Certificate. - Generic Management (NQF 4) – FET Certificate.
Seta Accredited
09.2017 - 10.2018
Sales Consultant
Joshua Trust
01.2016 - 12.2016
Certificate in Basic Call Centre Training - Basic Call Centre Training
KOEC Center
04.2013 - 06.2013
Computer Literacy Certificate - EUC Computer Literacy
KOEC Center
01.2013 - 03.2013