Vera Govender

Work History

Researcher | Commercial

Kreditinform (Pty) Ltd - Experian

To compile reports on company our customers requested information on. All information is obtained telephonically with the member or director of the Business.
The information is then compiled into a report and forwarded to banking department where a bank code is applied for.
Liaising with customers with regards to what particular information is required.
I was one of three researchers allocated to our biggest customer.

Quality Control | Commercial

Kreditinform (Pty) Ltd - Experian

All reports compiled by the researcher are captured on the system and a report is compiled.
The report is then printed out and handed to the Quality Controller where the report is checked for financial and grammatical errors.
The corrections would be marked on the report and sent back to the data capturing departments to be corrected.
Analysing of bank statements
Analysing of Financial statements

Credit Vet Manager

Vox Telecom

02.2019 - Current

Managing a team of eleven staff
Responsible for handling and managing nine workflows
Training and developing staff through training workshops
Managing the XDS and Transunion accounts and users
Involved in the design and development of processes
Reviewing of credit vetting policy
Reporting to management any risks that may be found
Decision making based on information supplied together with a proper investigation.
Managing relationships between the different divisions in the business and keeping an open line of communication
Ensuring that company policies are adhered to
Managing escalated queries and providing the necessary feedback

Credit Vet, RICA, Contracts Team Leader

Vox Telecom

04.2018 - 01.2019

Managing a team of seven staff
Responsible for handling and managing three workflows
Training and developing staff through training workshops
Managing the XDS account and users
Involved in the design and development of processes
Reviewing of credit vetting policy
Reporting to management any risks that may be found
Decision making based on information supplied together with a proper investigation.
Managing relationships between the different divisions in the business and keeping an open line of communication
Ensuring that company policies are adhered to
Managing escalated queries and providing the necessary feedback

Credit Risk & Governance Manager | Commercial & Consumer

Glocell Service Provider (Pty) Ltd aka Seventy2 Telecomms

09.2013 - 04.2018

Training and developing staff through assessments and training workshops
Training up of staff in the Retail Division – Glocell Retail
Analysing risk trends and processes to prevent risk to the business
TRANSUNION (Assess scores, defaults, judgments, payment profiles)
Reviewing and updating of credit vetting policies for both Business and Consumer Business Areas
Promptly and efficiently completes work assignments
Continually compares own work performance against standards
Makes decisions by weighing several factors, some of which are partially defined and entails missing pieces of critical information
Identifies and plans learning, targeted to specifically developmental needs in current position
Report to management any risks and improvement opportunities that have been found
Assist in testing new systems for Glocell, before it is even released.
Re-designing workflows and processes. Testing of the workflow changes. To ensure all is working correctly.
Whilst carrying out the daily duties, several projects were assigned, which have all been completed in the last financial year.(2013 to 20164)
Designing of NEW Consumer scorecard. (2015)
Testing and Implementation of New scorecard (2016) Decision Edge
Drafting of Business Requirement Specifications
Implementing BRS’s
Designed a rating system based on how a customer conducts his or her account
Initiated the Collections process –Internal and Third Party Debt Collecting
Key Role player in the Autopage Cell C acquisition
Involved I Fraud investigations and acquiring of Fraud tools to minimize risk and loss to the business
SACRRA Automation for HUB uploading of customer information
Liaise with Legal to ensure compliance is met in terms of CPA and POPI
War Room – Key player in project acquisition (14 March to 29 April 2016)
Project Management
Communication within the team
Risk management
Cost Saving exercises
Change Control Management -part of the team that assesses
Scheduling
Design, Implementation and Integration of the following systems::
Decision Edge – Transunion with an affordability matrix built in
Identity Management – Transunion
AVS –Bank Verification – Transunion
EIR – Transunion with Full access
Credit Vetting workflow – in-house CEMS
Pre-vet filters workflow – XDS

Credit Vetting Manager | Commercial & Consumer

Nashua Mobile (Pty) Ltd

04.2013 - 08.2013

Managing a department of eleven people
Training and developing staff through assessments and training workshops
Ensuring compliance is met at all stores nationally.
Analysing risk trends and processes to prevent risk to the business
Assess Quality of work produced by staff
Transunion (Assess scores, defaults, judgments, payment profiles)
Assess Voice Calls for the call centres
Reviewing and updating of credit vetting policies for both Business and Consumer Business Areas
Experian Reports (assess information on reports)
Running compliance workshops with Franchise service managers nationally
One on one sessions with staff, providing assistance in areas where staff are not performing well
Promptly and efficiently completes work assignments
Continually compares own work performance against standards
Follows up with Franchises during and after delivery of services have been met
Makes decisions by weighing several factors, some of which are partially defined and entails missing pieces of critical information
Report to management any risks and improvement opportunities that have been found
Assist in testing new systems for Nashua Mobile, before it is even released.
Re-designing workflows and processes. Testing of the workflow changes. To ensure all is working correctly.
Whilst carrying out the daily duties, several projects were assigned, which have all been completed in the last financial year.
Design and implementation of NEW Consumer scorecard.
Submitting three month action plans to General Manager

Corporate Sales Administration Manager | Corporate

Altech Autopage (Pty) Ltd

09.2012 - 04.2013

Managing a department of five people
Managing of all processes within Business Sales Corporate Division
Managing and updating of all documents
Responsible for all Business Communications
Drawing up of new 16 new processes and providing the necessary training

Finance Administrator | Corporate

Dimension Data (Pty) Ltd

07.2012 - 09.2012

Assisted with data and splitting of data
Assisted with reports
General Administration

Credit Vetting Manager | Consumer

Product Credit Solutions (Pty) Ltd

03.2012 - 04.2012

Managing a department of eleven people
Credit has four sub-departments namely Authorizations, Risk, Fraud and Employer Registration
Transunion (Assess scores, defaults, judgments, payment profiles)
Reviewing and updating of credit vetting policies
XDS, Transunion and Compuscan Bureau Reports (assess information on reports)
Makes decisions by weighing several factors, some of which are partially defined and entails missing pieces of critical information
Report to management any risks and improvement opportunities that have been found
Re-designing workflows and processes.
Tasked to get the Fraud sub-department up and running in terms of policies and Training manuals
Human Resources Activities
Pay roll Activities
Training of staff

Credit Vetting Manager | Consumer | Commercial

Nashua Mobile (Pty) Ltd

06.2011 - 02.2012

Managing a department of eleven people
Training and developing staff through assessments and training workshops
Ensuring compliance is met at all stores nationally.
Analysing risk trends and processes to prevent risk to the business
Assess Quality of work produced by staff
Transunion (Assess scores, defaults, judgments, payment profiles)
Assess Voice Calls for the call centres
Reviewing and updating of credit vetting policies for both Business and Consumer Business Areas
Experian Reports (assess information on reports)
Running compliance workshops with Franchise service managers nationally
One on one sessions with staff, providing assistance in areas where staff are not performing well
Promptly and efficiently completes work assignments
Continually compares own work performance against standards
Follows up with Franchises during and after delivery of services have been met
Makes decisions by weighing several factors, some of which are partially defined and entails missing pieces of critical information
Identifies and plans learning, targeted to specifically developmental needs in current position
Report to management any risks and improvement opportunities that have been found
Assist in testing new systems for Nashua Mobile, before it is even released.
Re-designing workflows and processes. Testing of the workflow changes. To ensure all is working correctly.
Whilst carrying out the daily duties, several projects were assigned, which have all been completed in the last financial year.
Design and implementation of NEW Consumer scorecard.
Submitting three month action plans to General Manager

Partner Service Desk Manager | Franchise Support

Nashua Mobile (Pty) Ltd

01.2011 - 05.2011

Managing a department of five people
Training and developing staff through assessments and training workshops
Ensuring compliance is met at all stores nationally.
Assess Quality of work produced by staff
Transunion (Assess scores, defaults, judgments, payment profiles)
Assess Voice Calls from Partner service Desk call Centre
Running compliance workshops with Franchise service managers nationally
One on one sessions with staff, providing assistance in areas where staff are not performing well
Promptly and efficiently completes work assignments
Follows up with Franchises during and after delivery of services have been met
Report to management any risks and improvement opportunities that have been found
Assist in testing new systems for Nashua Mobile, before it is even released.
Re-designing workflows and processes. Testing of the workflow changes. To ensure all is working correctly.

Credit Vetting Manager | Consumer

Nashua Mobile (Pty) Ltd

06.2008 - 12.2010

Managing a department of 8 people
Training and developing staff through assessments and training workshops
Ensuring compliance is met at all stores nationally.
Analysing risk trends and processes to prevent risk to the business
Assess Quality of work produced by staff
Transunion (Assess scores, defaults, judgments, payment profiles)
Assess Voice Call (Velociti)
Reviewing of policies and updating of information
Experian Reports (assess information on reports)
Running compliance workshops with Franchise service managers nationally
One on one sessions with staff, providing assistance in areas where staff are not performing well
Promptly and efficiently completes work assignments
Continually compares own work performance against standards
Follows up with Franchises during and after delivery of services have been met
Makes decisions by weighing several factors, some of which are partially defined and entails missing pieces of critical information
Identifies and plans learning, targeted to specifically developmental needs in current position
Report to management any risks and improvement opportunities that have been found
Assist in testing new systems for Nashua Mobile, before it is even released.
Re-designing workflows and processes. Testing of the workflow changes. To ensure all is working correctly.
Whilst carrying out the daily duties, several projects were assigned, which have all been completed in the last financial year.

Credit Vetting Agent | Commercial

Nashua Mobile (Pty) Ltd

08.2006 - 06.2008

Analysing of Information supplied on paperwork
Ensuring that documents supplied are signed off by the relevant parties
Quality control and compliance of documents supplied
Analysing of Kreditinform reports (Experian)
Analysing of Transunion TRANSUNION report
Application of bank codes via Transunion TRANSUNION
Analysing of bank statements, CK Documents, Consumer profiles within corporate concerns
Promoted to 2IC in July 2007
Handling of all reporting
Training new staff
Assisting the Manager with all queries nationally and providing feedback to the relevant parties
Liaising with Credit Controllers, Sales

Operations Consultant | Commercial

Kreditinform (Pty) Ltd - Experian

11.2002 - 07.2006

Liaising with customer both nationally and internationally on the different types of products available.
Dealing telephonically with enquiries
Following up on customers’ requests and providing feedback
Liaising with the different divisions within Kreditinform to obtain information for customers
Dealing with Irate clients and resolving queries before the turnaround time.

Client Co-ordinator | Graphic Designer | Administrator

The Business Card Centre (Pty) Ltd

05.2000 - 10.2002

Monitoring of all accounts
Liaising with Credit Controllers at Head Office
Reconciling payments against invoices
Ensuring invoices are correct
Banking of different currencies in Africa
Handling of all cash
Liaising with Foreign Exchange when dealing with foreign currencies

Administrator

Gaydons Motor Spares (Pty) Ltd

01.1999 - 04.2000

Monitoring of all accounts
Liaising with Credit Controllers at Head Office
Reconciling payments against invoices
Ensuring invoices are correct
Banking of different currencies in Africa
Handling of all cash
Liaising with Foreign Exchange when dealing with foreign currencies

Overview

Work History

Researcher | Commercial

Quality Control | Commercial

Credit Vet Manager

Credit Vet, RICA, Contracts Team Leader

Credit Risk & Governance Manager | Commercial & Consumer

Credit Vetting Manager | Commercial & Consumer

Corporate Sales Administration Manager | Corporate

Finance Administrator | Corporate

Credit Vetting Manager | Consumer

Credit Vetting Manager | Consumer | Commercial

Partner Service Desk Manager | Franchise Support

Credit Vetting Manager | Consumer

Credit Vetting Agent | Commercial

Operations Consultant | Commercial

Client Co-ordinator | Graphic Designer | Administrator

Administrator

Skills

Timeline

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