Role Overview
The Credit & Receivables Accountant will be responsible for managing the end-to-end credit lifecycle, from customer assessment and loan booking to collections and recovery. The role requires strong financial judgment, operational discipline and the ability to enforce credit control while supporting business growth.
Key Responsibilities
Credit & Underwriting
Conduct detailed credit assessments on prospective customers
Analyse bank statements, cash flows, and financial behaviour
Identify risk indicators and make approval or decline recommendations
Ensure all credit decisions align with internal policies and risk appetite
Receivables & Collections Management
Oversee the company's loan portfolio and receivables
Monitor and report on Portfolio at Risk (PAR), defaults, and recovery rates
Implement structured follow-up and escalation processes
Manage delinquent accounts, including recovery actions and repossession where required
Sales Support & Control
Partner with the sales team to enable growth while maintaining credit discipline
Review and challenge deals that do not meet risk criteria
Ensure proper documentation and compliance before disbursement
Reconciliation & Reporting
Ensure accuracy of loan balances, repayments, and system records
Perform periodic reconciliations of receivables and portfolio balances
Prepare and present collections and portfolio performance reports to management
Process & System Management
Utilize loan management systems (e.g., Lendsqr) to track and manage portfolio performance
Identify process gaps and implement improvements in credit and collections workflows
Requirements
Bachelor's degree in Accounting, Finance, or related field
ACA / ACCA (completed or in advanced stage preferred)
Minimum of 4 - 7 years' experience, with at least 2 - 3 years in lending, fintech, microfinance, banking or asset finance
Strong experience in:
Credit assessment and underwriting
Receivables and collections management
Loan portfolio monitoring
Core Competencies
Strong analytical and risk assessment skills
Solid understanding of:
Cash flow analysis
Portfolio at Risk (PAR)
Default and recovery metrics
High attention to detail and accuracy
Strong follow-up and enforcement capability
Ability to manage multiple accounts and priorities
Behavioral Attributes
High level of ownership and accountability
Firm and assertive, with the ability to make and enforce decisions
Proactive and solution-oriented
Resilient and comfortable handling difficult customer situations
Able to balance growth with risk control
Nice to Have
Experience in asset-backed lending (e.g., vehicle financing)
Familiarity with repossession and recovery processes
Experience in a startup or fast-paced environment
Basic understanding of legal recovery frameworks
Success in This Role
Success will be measured by the ability to:
Maintain a healthy loan portfolio
Improve collection efficiency and recovery rates
Enforce strong credit discipline across the business