Summary
Overview
Work History
Education
Skills
Personal Information
Accomplishments
Software
Interests
Timeline
Hi, I’m

Marcia Mmanawa Modise

Senior / Supervisor Credit Controlling
Boksburg

Summary

I hold a National Bankers certification and Credit Management certificate. I have 22 years combined experience in banking, credit control, account reconciliation, collections and allocation of cash on SAP.

Experienced financial professional with strong expertise in managing credit and collections. Skilled in risk assessment, account reconciliation, and resolving discrepancies. Valued for collaborative teamwork, adaptability, and delivering consistent results.

Professional with strong expertise in credit analysis and risk assessment. Proven ability to streamline processes, enhance client relationships, and mitigate financial risks. Strong focus on collaboration and flexibility to adapt to changing business needs. Adept at financial reporting, regulatory compliance, and utilizing analytical tools to drive impactful results.

Overview

26
years of professional experience
5
Languages

Work History

Calderys South Africa
Vereeniging

Senior Credit Controller
01.2024 - Current

Job overview

  • Sending of invoices, sending statements on month end and pod’s when the customer requests it.
  • Daily process and allocate of all payments on SAP.
  • Remove the payment made against the invoice on the Debtors Age on the google sheet drive.
  • Throughout the day check the orders on the credit stop request - 1 google sheets. VKM1.
  • Resolve customer queries and internal queries.
  • Following up with customers: Overdue invoices, Queries on their accounts, Payment date on the invoices(forecast).
  • Managing Orders: Release orders that are valid. [related to credit stop], Reviewing of the credit limits on all the customers that have exceeded the limit facility, Applying for further cover with CGIC.
  • Credit Management.
  • Reporting: Weekly Reporting /Monthly Reporting: Check that the Sales report and GL balance before AR month end is closed, Send aging to Greece credit control team and sales team and management and debt source, The aging sent to debt source must be accompanied with the sales report - add back customer balances written off, Prepare the DSO for Chief Accountant and communicate the collection made for the month, Save and download the master data on the drive, Prepare the ageing for google sheets, Credit notes reporting, authorized by the Commercial Director, Provide for bad debt, Prepare the sales report, Prepare Jim Roskell's commission, Maintaining the Customer portals: Ariba, Coupa, Babcock and Sc net, Upload the invoices and statements on these portals, Prepare BS Recons and Resolve the GL AR accounts, Weekly reporting with the commercial Director and Sales Team.
  • Manage the bad debt. The first step is by submitting a final letter to the customer and given them 10 days to pay/ Send the updates to Credalink, Prepare the provision for bad debt journal. Day 2 after month end.
  • CGIC reporting and administration: Manage credit limits and make sure the credit limits from cgic are equal to the credit limits on SAP, Submit the declaration to cgic in collaboration with debt source.
  • Invoicing: Invoice for Wispeco and other financial invoices.
  • Administration: All changes on the master data must have supporting documents, Inform the sales and projects team about all the changes that are happening in the accounts, File all documents of the credit application, Customers that have been approved by CGIC are to be opened on Sap System, Save all relevant documents on the drive, Standard Bank Fleet- Prepare and Reconcile the Standard bank fleet statement and journal. This journal is done before the project departments closes. 27th every month.
  • Responsible for all admin and paperwork related to debtors’ function.
  • Insurance - Maintain all the insurance's of Calderys and make sure they are up to date.
  • Assist with Audit queries.
  • Reasons for leaving: Retrenchment
  • Ensured timely completion of projects through effective scheduling and prioritization of tasks based on urgency and importance.
  • Strengthened cross-functional collaboration, leading to more cohesive teamwork and better overall results.
  • Recruited, hired and trained staff and provided ongoing feedback and performance evaluations for development.
  • Coordinated, supervised and evaluated work of subordinates and reallocated staff and resources to meet performance requirements.
  • Implemented cost-saving initiatives, reducing operational expenses without compromising quality or productivity.
  • Assessed problems and conflicts and resolved independently.
  • Streamlined operations for improved efficiency, delegating tasks and setting clear performance expectations.
  • Analyzed metrics to identify areas of opportunity, drive performance improvements and consistently exceed operational goals.
  • Fostered effective communication by providing constructive feedback and sharing knowledge across business lines.
  • Mentored junior team members for accelerated professional growth and skill development.
  • Maximized personal competency through continuous professional development.
  • Reduced employee turnover rates by fostering a positive work environment and addressing staff concerns promptly.
  • Provided feedback, training and skill development to staff to improve accuracy, productivity and quality.
  • Enhanced team productivity by implementing efficient workflow processes and providing consistent guidance.
  • Mandated policy, procedure, and performance adherence for continued and increased operational efficiency and profitability.
  • Assumed responsibility and oversight for hiring, onboarding and mentoring new staff members.
  • Provided interpretation and guidance on procedural questions.
  • Identified underperforming areas and implemented effective process improvements.
  • Spearheaded efforts to increase cross-departmental collaboration which led to a marked improvement in overall organizational synergy.
  • Developed strategic plans in alignment with company goals, effectively communicating objectives to the team.
  • Evaluated performance metrics regularly, identifying areas for improvement and providing constructive feedback to employees.
  • Conducted thorough quality assurance checks, maintaining high standards of output across all deliverables.

Home Of Living Brands
Johannesburg

Credit Controller
01.2023 - 07.2023

Job overview

  • Following up on outstanding debt telephonically and by email to in order to reduce debtor days.
  • Allocating payments in accordance with customer remittances.
  • Liaising with the sales to resolve outstanding queries.
  • Daily and month -end reporting and account reconciliations both balances brought forward.
  • Investigating and resolving queries relating to non-payment of invoices.
  • Working to strict monthly and annually collections targets.
  • Reasons for leaving: Contract came to an end
  • Optimized credit approval and collection processes, improving operational efficiencies by over .
  • Oversaw accounts payable and receivable operations for business with in monthly expenses.
  • Worked with executives to create annual budget and track actual expenses against projected expenses.
  • Optimized credit approval and collection processes, improving operational efficiencies by over

Bosch Home Appliances
Johannesburg

Senior Credit Controller
06.2021 - 11.2022

Job overview

  • Operating Systems: SAP: FOP/ ROP/SOP/MOP.
  • Key Accounts Massmart accounts – MAKRO/ GAMES/ BUILDERS WAREHOUSE / PICK N PAY/ EXPORTS ACCOUNTS.
  • Handling a book of +-R100 Million.
  • Month-End reporting.
  • Allocation of Cash on SAP.
  • Opening of New account and extension of Sales Org for all the divisions.
  • Ensuring Trade clearing and Unallocated recons are cleared on monthly basis.
  • Follow-up on unpaid recon items.
  • Weekly & monthly collection forecast.
  • Resolving branch and customer queries.
  • Account reconciliation.
  • Customer visits to resolve queries.
  • Releasing of orders in suspense as per credit policy.
  • Ensuring customer credit limits are not exceeded by reviewing limits on regular basis.
  • Placing customers on hold as per credit policy.
  • Ensuring all queries are updated on the Lotus Notes Debtors register and allocated to the correct salesperson.
  • Uploading of rebates on the system.
  • Uploading of settlement discount on the system.
  • Ensuring final demands are sent to delinquent customers.
  • Generating credit note requests.
  • Send customers on hold weekly to all the divisions.
  • Created a system for early identification of problematic accounts, enabling swift action to minimize potential losses from bad debts.
  • Successfully reduced debtor days through implementation of strict payment deadlines, clear communication with customers, and persistent follow-up on past due accounts.
  • Negotiated payment terms with customers based on their individual circumstances, maintaining good relationships while protecting the company''s interests.
  • Managed litigation cases involving delinquent accounts by liaising with legal counsel and providing necessary documentation for court proceedings.

KONE Elevators South Africa
Johannesburg

Collection Specialist
05.2015 - 05.2021

Job overview

  • Company Overview: Provides industry-leading elevators, escalators and auto walks and innovative solutions for maintenance and modernization.
  • Responsibilities: Body Corporates, Government Accounts. Key accounts mainly Delta Property Fund Account, Purchasing Consortium, Community Property Fund and Broll Accounts.
  • Operating Systems: SAP.
  • Handling a book of +-R20 Million.
  • Month-End reporting.
  • Allocation of Cash on SAP.
  • Updating of debit orders status.
  • And reinstating of the debit orders.
  • Follow up unpaid / rejected debit orders.
  • Ensuring Trade clearing and Unallocated recons are cleared on monthly basis.
  • Weekly & monthly collection forecast.
  • Resolving branch and customer queries.
  • Account reconciliation.
  • Customer visits to resolve queries.
  • Ensuring all queries are updated on the Lotus Notes Debtors register and allocated to the correct salesperson.
  • Ensuring final demands are sent to delinquent customers.
  • Generating credit note requests.
  • Send customers on hold weekly to all the divisions.
  • Weekly and monthly statements to the customer.
  • Provides industry-leading elevators, escalators and auto walks and innovative solutions for maintenance and modernization.
  • Reasons for leaving: Offered a position at Bosch Home Appliances
  • Boosted overall collection efforts through building strong relationships with clients that fostered trust and open communication lines.
  • Contributed to a positive work environment by providing support, guidance, and expertise to junior team members as they navigated complex collections situations.
  • Delivered exceptional customer service on collection calls and maintained calm and professional demeanor.
  • Supported company revenue growth by recovering outstanding debt through diligent monitoring and timely action on delinquent accounts.
  • Maintained compliance with state and federal regulations during all collections activities, ensuring ethical business practices.
  • Improved customer payment compliance through negotiating mutually agreeable repayment plans.

EQSTRA Trading
Johannesburg

Credit Controller
07.2014 - 04.2015

Job overview

  • Company Overview: An Automotive and manufacturer of forklifts.
  • Responsible Accounts: Spar group and Nampak Group.
  • Operating Systems: Kerridge.
  • Handling a book of R20 Million.
  • Collecting of outstanding payments telephonically.
  • Ensuring that incoming Cheques, cash, transfers, and deposits are identified and bank timeously.
  • Allocation of payments.
  • Reconciliation of accounts.
  • Identification, processing and capturing of authorized journals.
  • General filing and administrative duties.
  • Pro-activeness in minimizing bad debts.
  • Correlation of weekly invoices and statements.
  • Resolving clients account queries to promote good customer relations and meet client’s expectations.
  • Meeting of collections ratio and 90 days target set.
  • An Automotive and manufacturer of forklifts.
  • Reasons for leaving: Offered a position at KONE Elevators: South Africa
  • Reviewed customer accounts for compliance with repayment obligations.
  • Obtained payments and entered details into system.
  • Collaborated with other departments to resolve billing errors, ensuring timely payment from clients.
  • Reached out to customers to check on payments and convey options.
  • Performed checks of customer creditworthiness and current situations.

ABB South Africa
Johannesburg

Senior Credit Controller
05.2008 - 06.2014

Job overview

  • Company Overview: ABB South Africa offers a wide range of power and automation technologies solutions from a comprehensive product and service portfolio.
  • Responsible Accounts: Exxaro group, Samancor, Transnet Group, Sappi, Kent Group, Saint Gobain, Actom, Power Technologies, Nampak group, Ekurhuleni Municipality and eThekwini Municipality.
  • Operating systems: SYSPRO AND SAP.
  • Handling a book of R150 Million.
  • Month-End reporting.
  • Allocation of Cash on Syspro.
  • Allocation of Cash on SAP.
  • Opening of New account and extension of Sales Org for all the divisions.
  • Ensuring Trade clearing and Unallocated recons are cleared on monthly basis.
  • Follow-up on unpaid recon items.
  • Weekly & monthly collection forecast.
  • Resolving branch and customer queries.
  • Account reconciliation.
  • Customer visits to resolve queries.
  • Releasing of orders in suspense as per credit policy.
  • Ensuring customer credit limits are not exceeded by reviewing limits on regular basis.
  • Placing customers on hold as per credit policy.
  • Ensuring all queries are updated on the Lotus Notes Debtors register and allocated to the correct salesperson.
  • Ensuring final demands are sent to delinquent customers.
  • Generating credit note requests.
  • Send customers on hold weekly to all the divisions.
  • ABB South Africa offers a wide range of power and automation technologies solutions from a comprehensive product and service portfolio.
  • Reasons for leaving: Offered a position at EQSTRA Trading: Elandsfontein
  • Negotiated payment terms with customers based on their individual circumstances, maintaining good relationships while protecting the company''s interests.
  • Created a system for early identification of problematic accounts, enabling swift action to minimize potential losses from bad debts.
  • Conducted periodic audits of credit control processes, identifying areas for improvement and implementing corrective measures accordingly.
  • Played an integral role in the development of business continuity plans related to credit control operations, ensuring minimal disruption during unforeseen events.

SAFICON Industrial Equipment T/A TOYOTA Forklift
Johannesburg

Credit Controller
12.2007 - 05.2008

Job overview

  • Company Overview: An Automotive and manufacturer of forklifts.
  • Responsible Accounts: Spar group and Nampak Group.
  • Operating Systems: Kerridge.
  • Handling a book of R20 Million.
  • Collecting of outstanding payments telephonically.
  • Ensuring that incoming Cheques, cash, transfers, and deposits are identified and bank timeously.
  • Allocation of payments.
  • Reconciliation of accounts.
  • Identification, processing and capturing of authorized journals.
  • General filing and administrative duties.
  • Pro-activeness in minimizing bad debts.
  • Correlation of weekly invoices and statements.
  • Resolving clients account queries to promote good customer relations and meet client’s expectations.
  • Meeting of collections ratio and 90 days target set.
  • An Automotive and manufacturer of forklifts.
  • Reasons for leaving: Offered a position at ABB South Africa
  • Collaborated with other departments to resolve billing errors, ensuring timely payment from clients.
  • Obtained payments and entered details into system.
  • Performed checks of customer creditworthiness and current situations.
  • Reduced overdue debt by closely monitoring customer accounts and taking prompt action on outstanding payments.

SKY NET WORLDWIDE EXPRESS
Johannesburg

Credit Controller
08.2007 - 11.2007

Job overview

  • Company Overview: A courier company for exports and imports.
  • Responsible Accounts: Spar group and Nampak Group.
  • Meeting of collections ratio and 90 days target set.
  • Preparation of overdue amounts over 30 days.
  • Liaising with sales executives and management regarding bad debts and account queries.
  • Preparation of documents for litigation.
  • Maintaining good client relation and services.
  • Collecting of outstanding payments telephonically.
  • Ensuring that incoming Cheques, cash, transfers, and deposits are identified and bank timeously.
  • Allocation of payments.
  • Reconciliation of accounts.
  • Identification, processing and capturing of authorized journals.
  • General filing and administrative duties.
  • Pro-activeness in minimizing bad debts.
  • Correlation of weekly invoices and statements.
  • Resolving clients account queries to promote good customer relations and meet client’s expectations.
  • A courier company for exports and imports.
  • Reasons for leaving: Offered a position at SAFICON INDUSTRIAL Equipment
  • Collaborated with other departments to resolve billing errors, ensuring timely payment from clients.
  • Reviewed customer accounts for compliance with repayment obligations.
  • Performed checks of customer creditworthiness and current situations.
  • Increased collection rates through proactive account management and regular follow-ups with clients.
  • Reduced overdue debt by closely monitoring customer accounts and taking prompt action on outstanding payments.
  • Enhanced company reputation through professional communication with customers, resolving disputes, and negotiating payment plans.
  • Devised collection recovery strategies to resolve customer issues and delinquent cases.
  • Consistently met or exceeded targets set for reducing outstanding balances while adhering to strict deadlines.
  • Assisted in maintaining a healthy cash flow by promptly identifying and addressing potential credit risks.

Mercantile Lisbon Bank
Johannesburg

Teller, Enquiry Clerk, Home Loans Administrator and Collection Officer
11.1999 - 08.2007

Job overview

  • Company Overview: South African Commercial bank.
  • Operating systems: AS400.
  • Financial Processing Clerk.
  • Controlling dormant accounts.
  • Balancing of Trial Balance (BK24 & IV 24).
  • Maintenance of the General Ledger BK13, Confirming Cheques with clients.
  • Returning of debit orders on system.
  • Completing of audits reports/tax certificate.
  • Checking of stop payments.
  • Liaising with branches through e-mail for related queries and credit.
  • Call center, Debt and Relationship Managers.
  • Home loans processing, Admin clerk and Creditors clerk.
  • Processing of new registered home loan accounts.
  • Calculating new guarantees for registrations.
  • Arranging of Homeowners cover.
  • Capturing of new applications for home loans on system.
  • Actioning of payouts for re-advances, valuations, bond costs, hoc, refunds on cancelled bonds.
  • Securities.
  • Registration & cancellation of the cessions.
  • Surrendering of policies (long term).
  • Cancellation & closure of accounts.
  • Filling of documents.
  • Liaising with customers for related queries.
  • Reconciliation Clerk.
  • Allocate deposits to the respective accounts.
  • Checking of the audit trail and tick against the bank statement.
  • Capture deposits & payouts on accountability.
  • Reconcile the cashbook.
  • Calculating guarantees for cancelled bond.
  • Collections Officer /Credit Controller.
  • Products, Bonds Account, Installment sale, Personal loan, Credit cards.
  • Contact clients that are in arrears to request payment.
  • Confirm all clients’ details and update accordingly.
  • Check dairy notes for promise to pay for the day.
  • Follow up with clients regarding rejected payments.
  • Update system notes regarding all accounts actions.
  • Escalate write offs for recommendations.
  • Generate arrears notification letters for clients.
  • Obtain debit order authority from client.
  • Liaise with business managers/sales & service management at branches where the account are held.
  • Attending on incoming calls and checking e-mails for branch and client queries.
  • Pre-legal.
  • Attending to arrears accounts over 90 – 120 days by referring and downgrading to pre- legal department.
  • Attending to installment sale accounts where debit order had rejected.
  • Transferring of funds on instruction form pre-legal department.
  • Prepare the downgrade recommendations.
  • Updating of the esr (security details).
  • Filing of all correspondence.
  • Typing of letters to customers when required.
  • Maintain a diary system.
  • Administration of Insolvent account, Deceased estate, Liquidations, Administration orders and handing over to collections/attorneys.
  • South African Commercial bank.
  • Reasons for leaving: Restructuring process

Education

Technikon Witwatersrand
Johannesburg

Certificate in Banking from Banking , Corporate
04.1994

University Overview

Credit Blend Training
Johannesburg

Credit Management Certificate from Credit Management
07.2008

University Overview

South African Institute of Management
Johannesburg

Diploma in Business Management from Accounting And Finance, Credit Management
11.2018

University Overview

Springfield College
Kempton Park

Diploma in Financial Management from Financial Management
04.2001

University Overview

  • Completed Coursework: May, [2025]
  • Credit risk Management course with Credalink

Skills

Continuous improvement mindset

Personal Information

Personal Information
  • ID Number: 7505240323080
  • Date of Birth: 05/24/24

Accomplishments

Accomplishments
  • Supervised team of 5 staff members.
  • Collaborated with team of 5 in the development of SAP 4 HANA.
  • Resolved product issue through consumer testing.
  • Achieved 100 % collections through effectively helping with Project queries .

Software

Sap , Syspro, Sage

Advanced excel , Word , Teams , Ariba , Coupa ,outlook

Interests

Reading Books , Listening to music, Socialising with people , learning from others

Timeline

Senior Credit Controller
Calderys South Africa
01.2024 - Current
Credit Controller
Home Of Living Brands
01.2023 - 07.2023
Senior Credit Controller
Bosch Home Appliances
06.2021 - 11.2022
Collection Specialist
KONE Elevators South Africa
05.2015 - 05.2021
Credit Controller
EQSTRA Trading
07.2014 - 04.2015
Senior Credit Controller
ABB South Africa
05.2008 - 06.2014
Credit Controller
SAFICON Industrial Equipment T/A TOYOTA Forklift
12.2007 - 05.2008
Credit Controller
SKY NET WORLDWIDE EXPRESS
08.2007 - 11.2007
Springfield College
Diploma in Financial Management from Financial Management
04.2001
Teller, Enquiry Clerk, Home Loans Administrator and Collection Officer
Mercantile Lisbon Bank
11.1999 - 08.2007
Technikon Witwatersrand
Certificate in Banking from Banking , Corporate
Credit Blend Training
Credit Management Certificate from Credit Management
South African Institute of Management
Diploma in Business Management from Accounting And Finance, Credit Management

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Marcia Mmanawa ModiseSenior / Supervisor Credit Controlling