Phumzile Moganedi
Credit Controller
Summary
Dynamic professional with extensive (13 years) experience in credit management, debt collection, and risk assessment, consistently delivering results through strategic analysis and effective communication. Proven track record in resolving outstanding debts while adhering to financial regulations and implementing best practices in credit control. Skilled in leveraging analytical abilities to identify potential risks and develop proactive solutions that safeguard financial interests. Committed to maintaining high standards of integrity and excellence in all aspects of credit operations.
Overview
13
13
years of professional experience
4
4
Languages
Work History
Credit Controller
Botle Buhle Brands
09.2023 - Current
- Negotiate repayment arrangements with debtors to reduce outstanding balances
- Open and manage new debtor accounts, ensuring accurate onboarding information
- Allocate incoming payments accurately to debtor accounts
- Trace absconded debtors and initiate blacklisting processes through TransUnion
- Obtain and analyse credit reports via TransUnion to assess risk and repayment ability
- Educate debtors on maintaining a positive credit profile and financial responsibility
- Prepare, facilfacilitate and process Acknowledgement of Debt (AOD) documentation
- Follow up on Promises to Pay (PTPs) and update payment statuses accordingly
- Verify and follow up on proof of payments submitted by debtors
- Maintain accurate records by updating daily payments, capturing notes on the accounting system, and keeping debtor information current
Credit Controller
Avon Justine
02.2013 - 03.2022
- Performed checks of customer creditworthiness and current situations.
- Responded to disputes calmly and applied logical, knowledgeable approaches to devise solutions.
- 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.
- Maintained accurate records of all communications related to debtor management for audit purposes.
- Improved cash flow by implementing efficient credit control policies and procedures.
- Trained and mentored new department employees to maximize performance.
- Minimized bad debts by conducting thorough credit assessments for new clients and regularly reviewing existing client profiles.
Education
Diploma - Graphic Design
IIE Rosebank College
Pretoria12.2008
Certificate - Advertising
Imagination Lab – A Vega Initiative
Johannesburg, South Africa12.2010
Matric -
Saint Gregories College
Groblersdal12.2006
Skills
Debtor monitoring
Assertiveness in collections
Credit control procedures
Document management
Payment plan creation
Cross-functional communication
Credit policy implementation
ERP system experience
Cross-functional collaboration
Strong negotiation
Risk analysis
Timeline
Credit Controller
Botle Buhle Brands
09.2023 - Current
Credit Controller
Avon Justine
02.2013 - 03.2022
Diploma - Graphic Design
IIE Rosebank College
Certificate - Advertising
Imagination Lab – A Vega Initiative
Matric -
Saint Gregories College