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Immediate Superior: CIC Credit Business Partner 
Location: Cape Town
Function: Customer Services
Sub Function: CIC Commercial
Type of Contract: Permanent
Reference Number: 114065 
Closing Date: 30/06/2024

 

Responsible for credit risk mitigation activities. This includes researching and analysing new and existing counterparties to determine appropriate levels of exposure. Also credit support arrangements, monitoring and reporting of credit exposures and events.

 

KEY RESPONSIBILITIES Monitor that pre-set tolerances are inputted in the system Credit Risk Management Account approval (before and on-going) Credit limit reviews Assessing group exposure Commercial terms analysis Political risk exposure (on each customer) Collecting information Political risk exposure (on each customer) analysis (daily changing situations) Regional (country) risk exposure (daily changing situations) Special terms  (arrears, legal action, arrangements) Ensure that credit application forms are correctly completed and copies of liquor licence, Identification Document’s etc. are attached Obtain trade references/TransUnion Credit Vet all customers from a Know Your Customer (KYC) perspective Order evaluation Exception management on orders - System prompts a manual order release and escalate arrear customers to Receivables for release and action. Release or reject orders  timeously to ensure deliveries not adversely affected where customers have exceeded their credit limit Reporting Monitoring, investigation and reporting of limit breaches Actively involved in the management of a credit portfolio and expected to identify and analyse portfolio changes, events and analytics to upper management Ensure that the ISO 9001:2000 documentation is maintained and applied Stakeholder Management Maintain sound working relationship with stakeholders Providing timely response to internal and external credit risk queries. Highly Confident, articulate individual who is a team player and works well with CSC. Ability to prioritize task and be able to respond to changes in priorities Ability to explain complex ideas in a cohesive, crystal-clear manner Highly motivated, self-sufficient and enthusiastic individual who has strong desire to grow within OTC Build, support and maintain healthy, diverse internal and external relationships to ensure achievement of organisational goals.  Keep minutes of meetings ​​​​​​​​​​​​​Take responsibility for own development and contribute to team effectiveness. Develop effective manager and peer working relations. Take responsibility of own performance goals and personal growth Managing your career (EPMS Scorecard, IDP and Career Plan in place) Drive own development to ensure knowledge and skills remain current. Assist with the up skilling of the team where gaps have been identified.

 

EDUCATION & EXPERIENCE Credit Management Diploma (Minimum) 2-4 years previous Credit risk management experience. Call centre experience Good financial modelling skills Working knowledge of FMCG Liquor industry knowledge Experience in export trade credit Good understanding of business processes, controls and documentations. Excellent written and verbal communication skills Ability to articulate and present to senior management Strong attention to detail and confident in asking questions Highly motivated and enthusiastic and able to respond to changes in priorities Confident and articulate team player Good and broad understanding of credit risk management domestic and international MS Office applications advantageous

 

The Company’s approved Employment Equity Plan and Targets will be considered as part of the recruitment process. As an Equal Opportunities employer, we actively encourage and welcome people with various disabilities to apply. Heineken Beverages (South Africa) (Pty) Ltd) is committed to an organisational culture that recognises, appreciates and values inclusion and diversity. You must be fully eligible to live and work in South Africa to apply.