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REFELOE SATHEKGE
Credit Analyst
Witfield
Summary
Analytical and detail-oriented Credit Analyst with 10 years of experience in the Consumer Goods industry, specializing in credit risk assessment, portfolio management, and financial performance analysis. Skilled in leveraging Power BI and SQL to develop data-driven insights that support strategic credit decisions and improve collection efficiency. Recognized for strong problem-solving abilities, accuracy in financial evaluation, and the ability to translate complex data into actionable recommendations.
Overview
21
21
years of professional experience
Work History
CREDIT ANALYST
GENPACT
06.2022 - Current
- Assess creditworthiness of clients and manage risk exposure across consumer goods portfolios.
- Develop and maintain Power BI dashboards to track credit performance, overdue accounts, and key risk indicators.
- Utilize SQL queries to extract and analyze large datasets from ERP systems for credit reporting and reconciliations.
- Partner with sales and finance teams to set and review credit limits, ensuring alignment with business strategy.
- Contributed to reducing overdue balances through improved data visibility and proactive risk monitoring.
- Support monthly management reports and presentations to senior leadership using data visualization tools.
TEAM LEADER CREDIT MASTER DATA
CCBSA
07.2018 - 05.2022
- Enhanced data accuracy by maintaining and validating payer master data in SAP according to standardized business rules.
- Improved reporting efficiency through regular extraction, analysis, and validation of payer data using QlikView, ensuring timely updates with the Master Data Management (MDM) team.
- Optimized credit reporting by developing and updating Power BI models for Overdue Accounts (ATB) and Blocked Orders, providing actionable insights to credit teams.
- Strengthened performance tracking by producing weekly KPI and end-of-week reports, identifying coaching opportunities and process improvements.
- Streamlined master data updates by automating SAP maintenance using VB scripts, improving data completeness for customer communication.
- Reduced credit risk exposure by performing monthly customer account suppressions to eliminate inactive or outdated accounts.
- Improved system security and compliance by conducting monthly CRM and CMS/Genesys access reviews, ensuring only active credit users retain system permissions.
- Ensured data integrity by validating trade applications and customer documents against SAP master data for accuracy and compliance.
CREDIT MASTER DATA CLERK
CCBSA
08.2017 - 06.2018
- Maintain high standards of data accuracy in SAP by applying company data alignment and validation rules.
- Ensure efficiency and minimal rejections by verifying the accuracy of CDBM maintenance logs and resolving any issues identified.
- Review and process master data change requests from the centralized mailbox, creating or updating CDBM logs as required.
- Monitor CDBM workflows to ensure timely approvals and re-log maintenance for rejected requests to maintain workflow integrity.
- Distribute daily CDBM trackers to stakeholders, providing visibility into master data updates and progress.
- Interpret trade applications and customer supporting documentation to validate data accuracy against SAP records.
- Contributed to improved data governance and process efficiency by ensuring consistency and accuracy of master data across systems.
- Maintained accurate credit records by updating master data in the database, ensuring compliance with organizational standards.
- Collaborated with cross-functional teams to resolve data discrepancies, enhancing overall data integrity and operational efficiency.
- Streamlined data entry processes, which improved turnaround time for credit approvals and reduced error rates.
- Conducted regular audits of master data for accuracy and completeness, ensuring timely identification and correction of discrepancies.
ALLOCATIONS CLERK
CCBSA
09.2015 - 07.2017
- Accurately allocate customer payments in a timely manner, ensuring correct posting and account reconciliation.
- Communicate with customers to resolve payment queries promptly and maintain positive relationships.
- Perform account reconciliations and claim investigations, identifying and addressing discrepancies to reduce outstanding balances.
- Support collections efforts by following up on non-payment of invoices, contributing to improved cash flow and reduced overdue accounts.
LDP ADMINISTRATOR
LDP BENROSE
07.2014 - 08.2015
- Plan and coordinate daily delivery routes to ensure efficient scheduling and optimal resource utilization.
- Process route settlements and corrections, maintaining accuracy in delivery and financial records.
- Manage stock orders and perform regular stock counts to ensure inventory accuracy and availability.
CREDIT OFFICER/COLLECTION CLERK
ABSA BANK
04.2005 - 06.2011
- Ensure that out-of-order accounts are managed in strict alignment with the company’s credit policy and governance framework.
- Conduct timely and high-quality credit assessments (new applications, limit increases, and reviews) to support sound business decision-making.
- Initiate and oversee the transfer of out-of-order portfolios to debt recovery services, ensuring compliance with regulatory, governance, and legislative requirements.
- Evaluate credit applications for risk exposure and financial affordability, ensuring decisions align with company policy and risk tolerance.
- Manage and maintain the existing credit portfolio in line with the organization’s risk model to minimize exposure and optimize performance.
- Promote a customer-focused approach by proactively monitoring accounts, maintaining communication, and ensuring adherence to credit and collection policies.
- Conduct periodic account reviews within the credit risk framework to identify high-risk customers early, propose practical solutions, and drive intensive account management strategies.
Education
No Degree - Entrepreneurship (Future Technologies)
Academic Institute of Excellence
Midrand, South Africa 04.2001 -
National Diploma - Building (Incomplete)
Tshwane University of Technology
01.2014
N3 Mechatechnology - undefined
Southwest Gauteng College
01.2003
Matric - undefined
Mokgome Secondary School
01.2001
Skills
Strong work ethic
Proficient in team collaboration
Adaptable thinker
Creative problem-solving
Proficient in identifying and resolving issues
Efficient at acquiring new skills
Strong focus on accuracy
Strong personal organization
Cross-functional collaboration
Strong capacity for managing multiple tasks
Strong numerical proficiency
Practical experience with Power BI
Practical SQL experience in data extraction
Credit risk management training
References
- Avena, Moodley, Previous Manager, 0828260797
- Ronelle Behari , Manager, rbehari@ccbagroup.com -0632532861
- Nicole Phillips,Peer,nphillips@ccbagroup.com -0787747128
- Mapule Letsoalo, Peer, mletsoalo@ccbagroup.com-0824233256
Interests
Timeline
CREDIT ANALYST
GENPACT
06.2022 - Current
TEAM LEADER CREDIT MASTER DATA
CCBSA
07.2018 - 05.2022
CREDIT MASTER DATA CLERK
CCBSA
08.2017 - 06.2018
ALLOCATIONS CLERK
CCBSA
09.2015 - 07.2017
LDP ADMINISTRATOR
LDP BENROSE
07.2014 - 08.2015
CREDIT OFFICER/COLLECTION CLERK
ABSA BANK
04.2005 - 06.2011
No Degree - Entrepreneurship (Future Technologies)
Academic Institute of Excellence
04.2001 -
National Diploma - Building (Incomplete)
Tshwane University of Technology
N3 Mechatechnology - undefined
Southwest Gauteng College
Matric - undefined
Mokgome Secondary School