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  • Posted: Nov 24, 2020
    Deadline: Dec 2, 2020
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    MTN Group Limited entered the telecommunications scene at the dawn of South Africa’s democracy, in 1994. In 1998, we began our expansion by acquiring licences in Rwanda, Uganda and Swaziland. Since then, we continued to grow, with a view of bringing world-class telecommunications and digital services to markets across Africa and the Middle East. Throug...
    Read more about this company


    Senior Manager: Commercial Credit


    • To define and lead the strategy for Commercial Credit, maximising MTN’s growth, profitability and market share and in alignment with overall business strategy. To provide an efficient operational support function to finance and to the organisation, setting and operationalising strategy elements and ensuring seamless and fully integrated service delivery to the business and to all trade partners.

    Key Performance Areas: 
    Strategic input

    • Contribute to, challenge and implement the long-term strategy for the Commercial Credit Risk   function and ensure alignment of all activities undertaken in the unit to the strategy of Finance  and MTN SA
    • Define the Commercial Credit strategy for Billing and Collections in alignment with the   organisation’s objectives and requirements as well as the Finance Strategy
    • Provide input into the business plan to ensure delivery to customers and markets, and to ensure   competitiveness on all elements
    • Contribute towards long-term forecasts and predictions (2-5 years), analysing trends and   highlight areas of the business that may be developed further
    • Provide input into reviewing organisational activities and assist in recommending corrective   actions if necessary

    Operational Planning

    • Translate the Commercial Credit Risk strategy into action plans and drive the execution thereof
    • Set operational targets and objectives and align them to the business strategy, considering the   long term (1-2 years) implications of actions on the viability of the business from a more broad  perspective
    • Consider the impact of solutions on other areas of the business, as well as the interdependency   of units
    • Drive best practice, continuous improvement and innovation at process and procedure level within  the Commercial Credit Risk unit of Finance and Risk channel
    • Construct, implement / fine-tune methods, systems and PPPs to enhance effectiveness and meet   organisational goals
    • Consider local conditions, as well as competitor activity to create competitive advantage
    • Manage resources (people, finances and products), taking local conditions into consideration
    • Operations and Service Enhancement 
    • Maintain accountability for the end-to-end financial risk of Credit Risk within MTN SA
    • Define, implement and fine-tune methods, systems and PPP’s to enhance effectiveness and meet   organisational goals
    • Ensure that all features and functionality of credit administration meet with both customer and   operational needs
    • Ensure that systems are put in place to monitor and track all performance and key performance   area standards of the unit
    • Implement and drive quality standard frameworks and ensure that high levels of quality service   are maintained and that all areas of Credit Risk operate as close to global best practice as   possible
    • Participate in and project manage Tenders where appropriate
    • Act as main custodian of Commercial Credit Risk contract negotiations
    • Ensure continuous improvement of efficiency and effectiveness of support services
    • Manage internal risk control

    Credit Assessment

    • Define and deploy appropriate systems to facilitate credit assessment process for trade partners  (informal, retail, branded and other trade partners)
    • Ensure alignment to sales channels and integration of channel propositions 
    • Define and drive the implementation of credit policies that are regularly calibrated and aligned  to risk trends
    • Manage and monitor credit risk within the area
    • Define processes to facilitate commercial relationships and SLA’s with all channels and partners
    • Define and implement fraud detection and management processes and systems to reduce risk
    • Analyse industry trends in risk assessment

    Credit (debtors) management 

    • Define and implement optimal collection processes to optimize collections and minimize bad debt   for trade partners
    • Define and implement effective collection tools and automation to reduce costs
    • Ensure that collection targets are defined and attained
    • Define policies that facilitate risk control and encompass legislative and regulatory   requirements
    • Conduct monthly reconciliation of the debtors book and financial reporting thereof
    • Ensure that SLA’s are complied to for all strategic partners
    • Ensure that defined terms are implemented and managed for all commercial agreements with   customers and partners
    • Define, implement and manage para legal processes for the legal area of the unit, liaising with   Commercial Legal department as required
    • Ensure the effective management of the insurer
    • Ensure that financial controls are in place and measured regularly and reported on
    • Calibrate all processes and systems to reduce potential risk exposure
    • Ensure timely write off of bad debt and the appropriate reporting thereof

    Customer Satisfaction

    • Build and maintain solid relationships with all stakeholders
    • Adopt a proactive approach to prevent problems from arising in the future
    • Align service delivery to changing needs and ensure effective customer and stakeholder management
    • Drive continuous improvement as an important element of service delivery
    • Ensure customer needs and requirements are satisfied through appropriate systems / processes /   procedures being in place and ensuring that they deliver on customer specific strategies
    • Identify trends / patterns pertaining to customer requests and needs and filter this information  through to the business to continually improve all aspects of service delivery 
    • Initiate change to continually improve all aspects of service delivery
    • Maintain a thorough knowledge of commercial terms of agreements with dealers and franchisees and  manage and grow the commercial relationship
    • Manage, monitor and control customer-related system efficiencies, and the measurement thereof
    • Oversee the establishment of SLA’s with customers and manage the output. Report on delivery and  sustainability


    • Acts as main conduit to the GM Billing and Credit Risk regarding the performance of the Credit   Risk function of Commercial Credit
    • Report monthly on the debtors book, credit risk assessment and financial controls
    • Report on results for the area to the business and to key stakeholders, including the customer-  related system efficiencies, the measurement thereof and the impact of poor service on revenues   and customer churn
    • Report periodically on activities, budget compliance and other aspects of the business as   appropriate

    Budget Management

    • Identify areas where money is lost and seek ways to reduce expenditure
    • Identify opportunities to generate additional revenue
    • Monitor costs and determine initiatives to optimize resources. Ensure cost effectiveness by maximising cost/benefit ratios 

    Supervisory / Leadership / Managerial Complexity:  

    • Responsible for the management of a team which cuts across a disparate set of functions
    • Ensure that teams are optimally sized and staffed and manage and motivate performance 
    • Recruit, develop and retain people with outstanding skills, qualifications and potential
    • Define the KPAs and KPIs to be cascaded through the department and clarify roles at various   levels to match the level of expertise and results required by the business. 
    • Agree on performance standards
    • Evaluate, assess and track performance to ensure that targets are achieved
    • Coach, guide and motivate subordinates
    • Understand the need to train and develop staff to be able to use resources optimally and enhance  performance 
    • Build employee relations and collaborative teamwork 
    • Ensure communication and fundamental understanding of strategy elements to all affected teams
    • Have the self insight and flexibility to adapt to different situations
    • Manage boundaries that separate units in order to optimise workflow
    • Manage Employment Equity and diversity 
    • Display insight into leadership style and how it impacts on performance positively and negatively
    • Communicate actively and effectively resolving any potential conflicts that may arise
    • Build and enforce a customer centric approach 
    • Build professionalism, loyalty and commitment to the organization
    • Live the MTN Brand – change and influence employees behaviour

    Job Requirements:

    • Minimum 4 year tertiary qualification in Finance, CTA or B Compt Honours
    • Preferable CA(SA)


    • At least 5 years of experience in a credit risk management function, in a managerial capacity, with exposure to national and international trends and strategy
    • At least 3-5 years of leadership experience in similar positions, in fast-moving industries
    • Appropriate level of competence in financial, communication, commercial and operational areas, preferably in a similar environment
    • A decent background in insurance

    Please note that MTN is an equal opportunity employer. Should you not hear from us within 14 (fourteen) days from the closing date of this advertisement, you may consider your application to be unsuccessful.
    The closing date: 2nd December 2020

    Method of Application

    Interested and qualified? Go to MTN on to apply

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