Credit Controller & Collections Officer - Work From Home

Bachelor’s degree in finance, commerce, or business 5+ years in Credit Control & Collections, preferably in construction or project-based industries Strong understanding of billing, contract terms, and dispute management Proficient in ERP systems Proficient in Microsoft Excel (intermediate to advanced) Experience in credit assessments Experience in managing escalations Experience in leadership-level reporting Confident and authoritative communicator with strong negotiation and conflict resolution skills Excels at taking ownership, following through on tasks, and actively reducing debtor days Highly organized with exceptional discipline in follow-up and accuracy Able to work independently, prioritize effectively, and maintain composure under pressure Strong ability to engage stakeholders and interact comfortably with senior leaders and external clients Results-driven mindset, committed to continuous improvement and financial control

Conduct credit risk assessments and recommend credit limits. Proactively manage outstanding accounts to ensure timely payment. Oversee complex invoicing, progress payments, variations, and rework invoices. Maintain accurate debtor ledgers, aged receivables reports, and collection activity documentation. Identify and escalate potential risks in payment patterns. Follow up overdue accounts via phone and email professionally. Investigate and resolve disputes, payment delays, or billing issues. Initiate legal collection procedures and coordinate with external legal teams. Negotiate payment arrangements to support cash flow. Issue reminder notices, credit hold communications, and follow-through actions. Collaborate with finance, project teams, and operations to resolve cash collection bottlenecks. Provide weekly reporting on collections performance, risk exposure, and recommended actions to the CFO. Support month-end processes including reconciliations and debtor commentary. Contribute to continuous improvement initiatives for financial controls. Maintain disciplined credit control frameworks, documentation, and compliance standards. Set up new customer accounts, review credit applications, and process limit changes. Ensure ERP records, invoices, and payment allocations are accurate and timely.