- Assess and assign appropriate credit classes and credit limits for new and existing customers based on financial risk profiles.
- Monitor customer usage against approved credit limits in real time or near real time to mitigate pre-invoice revenue exposure.
- Recommend and implement credit control actions in accordance with company policies when credit thresholds are exceeded.
- Review, monitor, and manage security deposits held for high-risk or newly onboarded customers.
Collections and Debt Recovery
- Manage a portfolio of customer accounts and ensure timely collection of outstanding balances through structured dunning processes.
- Follow up on overdue invoices through emails, phone calls, reminders, statements, demand notices, and escalation procedures.
- Negotiate payment plans with customers where appropriate while protecting company interests.
- Drive reduction in Days Sales Outstanding (DSO) and minimize aged receivables and bad debt provisions.
- Escalate delinquent or high-risk accounts to management, legal counsel, or external collection agencies as required.
Account Reconciliation and Reporting
- Reconcile customer accounts to ensure accurate allocation of payments, credit notes and adjustments.
- Investigate and resolve billing disputes and account discrepancies in collaboration with billing and Revenue Assurance teams.
- Prepare and maintain accounts receivable aging reports, DSO analyses, credit exposure reports, and collection performance metrics.
- Support month-end and year-end financial close processes, including bad debt provisioning and receivables reporting.
Stakeholder and Cross-Functional Collaboration
- Partner with Sales and Account Management teams to evaluate customer creditworthiness before contract renewals, upgrades, or new service provisioning.
- Collaborate with Customer Service teams to resolve customer issues impacting payment collection.
- Support Revenue Assurance initiatives aimed at eliminating billing and collection gaps across the revenue cycle.
- Ensure compliance with internal credit policies, telecommunications regulations, and data protection requirements.
Required Skills and Competencies
Technical and Functional Skills
- Strong understanding of credit control, collections, accounts receivable management, and debt recovery processes.
- Knowledge of telecom credit management concepts, including credit classes, credit limits, dunning cycles, customer deposits, and collections strategies.
- Familiarity with telecommunications billing and revenue management processes, including rating, mediation, invoicing, and both advance and arrears billing models.
- Experience working with ERP systems, CRM platforms, or telecom billing solutions.
- Advanced proficiency in Microsoft Excel, including PivotTables, VLOOKUP/XLOOKUP, reconciliations, and financial reporting.
- Understanding of aging analysis, provisioning methodologies, and credit risk management principles.
- Knowledge of telecommunications regulatory requirements and customer credit management practices.
- Excellent communication, negotiation, and customer relationship management skills.
- Strong analytical and problem-solving capabilities with keen attention to detail.
- Sound judgment in balancing policy enforcement with commercial and customer considerations.
- Ability to manage large account portfolios and deliver results under pressure.
- Strong organizational skills and ability to coordinate effectively with multiple stakeholders.
- Professionalism, resilience, and tact when handling complex or disputed accounts.
Qualifications and Experience
- Bachelor's degree in finance, Accounting, Business Administration, Economics, or a related discipline.
- Minimum of 2-5 years of experience in Credit Control, Accounts Receivable, Collections or Revenue Assurance.
- Previous experience within the telecommunications, utilities, technology, or subscription-based services sector is highly desirable.
- Professional certifications such as Chartered Institute of Credit Management (CICM) or equivalent will be an added advantage.
- Experience with telecom billing systems, ERP platforms, or credit management modules is preferred.