Managing Executive: Credit to Collection at Vodafone Global Enterprise

Role Purpose/Business Unit:

• To lead the strategic and operational Credit-to-Collect (C2C) function across Vodacom South Africa (VSA), overseeing the full cycle from credit risk assessment to cash collection.
• This role defines VSA’s credit appetite for both consumer and enterprise customers, ensures alignment with financial goals, and embeds strong credit governance across the business.
• The role is responsible in leading the transformation of credit operations from reactive execution to predictive, data-driven decision making.
• The incumbent will manage policies, people, processes, and systems to minimize credit risk while supporting commercial growth.
• The incumbent will be responsible for deploying, applying and operationalising data models and insights to reduce credit risk, enhance collections efficiencies and improve forecasting accuracy.
• The ME of Credit to Collect plays a strategic role in supporting VSA’s customer retention efforts by identifying and addressing credit and payment related drivers of customer churn.

Your responsibilities will include:

Strategic Credit leadership:

• Define and implement VSA’s credit strategy and risk appetite across all segments (consumer and enterprise).
• Develop and enforce credit policies, scorecards, and risk segmentation frameworks based on internal data and external bureau insights such as TransUnion, Experian, XDS etc.
• Serve as the credit governance authority, providing oversight on credit risk exposure, credit terms, customer onboarding practices, and write-off policies.
• Advise the VSA FD and Executive teams on portfolio risk trends, bad debt provisions, and trade credit exposure forecasts.

Operational excellence:

• Oversee all aspects of the Credit-to-Collect process: credit assessment, cash application, collections, dispute resolution, and reporting.
• Lead the deployment and optimization of credit and collection systems and Dispute Management modules in collaboration with VSA IT and Finance.
• Ensure customer master data integrity and compliance with FICA, KYC, POPIA, and National Credit Act requirements.
• Build and manage a high-performing Credit & Collections team (including consumer and B2B portfolios).

Stakeholder & Cross-Functional Engagement

• Partner with Sales, Legal, COPS, and FBPs to align credit decisions with business growth while managing risk.
• Partner with COPS and commercial teams to identify and reduce involuntary churn.
• Lead credit committee meetings and engage with external partners such as credit insurers, debt collectors, legal counsel).
• Act as an escalation point for large or sensitive customer disputes, blocked orders, or high-value debt.

Performance & Risk Reporting

Deliver monthly executive-level reporting on:

• Credit risk exposure and segment-level performance
• Days Sales Outstanding (DSO) and collections efficiency
• Bad debt provisioning and forecasted impairments
• Credit limit utilisation and exposure by customer tiers
• Lead data-driven strategies to optimize the credit to collect lifecycle using SAP, bureau data and analytics platforms.
• Use SAP and BI tools to generate actionable insights and drive continuous improvement.

The ideal candidate for this role will have:

• University graduate, preferably from Finance and Accounting, Statistical Science, Business Administration, Economics, etc.
• Minimum of 10 to 15 years’ experience (with 3 years in a senior management role) in Credit to Collect.
• Experience with both Consumer and B2B credit portfolios
• Telecommunications/ Banking sector experience is desirable.

Core competencies, knowledge and experience:

• Leadership skills and experience in managing teams in a complex and changing/dynamic operating environment
• Strong team leader/interpersonal skills
• Excellent communication skills to ensure a transparent representation of the results, processes and procedures and to influence multiple stakeholders
• Able to manage through competing or conflicting targets
• Can Do’ mindset with focus on customer satisfaction beyond expectations
• Analytical mind, able to work with detail and to see the ‘big picture’

Closing date for Applications: 22 July 2025.