Senior Credit Officer

Job description

CAREER OPPORTUNITY: JOIN TYRE-KING AS A SENIOR CREDIT OFFICER!

Location: Head Office, Lusaka
Closing Date: 31st July 2025
Apply: careers@tyreking.co.zm

Tyre-King, a leading automobile tyre retailer, is looking for a results-driven and analytical Senior Credit Officer to lead our credit control and debt management efforts while ensuring sound financial reporting and compliance

Position: Senior Credit Officer – Full Time

Purpose of the Job:
To manage and oversee the company’s credit control function, including Collections, Credit Risk Management and Strategic Debt Control efforts. The role ensures timely receivables, minimized bad debt exposure and continuous improvement of credit governance and reporting structure.

Key Responsibilities:

Develop and implement the company’s overall credit control strategy ensuring alignment with cash flow and revenue projections.
Assess creditworthiness of new and existing clients through detailed financial analysis and risk evaluation.
Approve or recommend credit limits and terms based on policy and risk profile.
Supervise and support the credit team in reviewing applications and managing client accounts.
Provide leadership and strategic direction to the credit control team to ensure timely collections and minimize bad debt.
Maintain a professional and courteous approach when dealing with customers in all credit-related communications
Develop and implement effective credit control policies, training manuals and procedures for credit operations
Monitor accounts for payment delinquencies and coordinate collection strategies.
Set monthly collection targets for credit team and monitor branch level performance
Effectively manage the credit risk portfolio by leading annual review and stress testing
Conduct regular performance reviews and training sessions for credit control staff.
Perform monthly analysis on of Days Sales Outstanding DOS, Customer payment Trends and segment specific risks
Chair monthly credit control meetings with Finance and operation stakeholders
Prepare and present monthly credit reports, risk assessments, and recommendations to senior management.
Ensure compliance with company credit policies and relevant regulatory requirements.
Maintain updated knowledge of market trends and economic factors affecting credit risk.

Qualifications & Experience:

ACCA, CIMA, ZICA, or equivalent accounting qualification.
Minimum 5 years’ experience in credit control or receivables management, preferably in a commercial environment with at least 2 years in a senior role.
Proven experience in credit control leadership with a track record of improving collection cycles and implementing credit policy framework
Proficiency in Microsoft Excel and accounting software (Navision experience is an added advantage).
Excellent negotiation, decision making, communication, and analytical skills.
Ability to work well in a team
A problem-solver with attention to detail skills

DESIRABLE QUALITIES:

Strong ethical standards and a high level of integrity and accountability.
Ability to work independently and under pressure.
Detail-oriented with strong organizational skills.
Strategic thinker with the ability to make sound credit decisions.
Team player who can inspire, coach, and guide others.
Strong interpersonal skills for building effective relationships across departments.
Results-oriented mindset with a focus on continuous improvement.
Good judgment and decision-making ability

How to Apply:

Send your detailed CV, including three referees, qualification, certificates (ZAQA verified/accredited), and a cover letter to the Human Resource Manager at careers@tyreking.co.zm

Subject Line: Senior Credit Officer Application

Please Note:

Only candidates who meet the specified qualifications and experience will be considered.
Only shortlisted candidates will be contacted.