Commercial & Credit Officer

Qualifications and Experience

• Bachelor’s degree in Finance, Accounting, or a related course.
  
• CPA/ACCA qualification (or in progress).
  
• Minimum 4 years’ experience in FMCG or distribution, preferably in credit control, commercial finance, or trade accounting.
  
• Strong analytical, reporting, and Excel / Google Sheet skills.
  
• Sound understanding of customer and distributor financial dynamics.
  
• Excellent interpersonal and communication skills, with a collaborative approach.
  
• High integrity, strong follow-through, and attention to detail.
  

• Manage credit control and customer receivables, ensuring collections are timely and exposure remains within approved limits.
  
• Lead regular credit review meetings with Sales and Finance to align on collections, terms, and risk mitigation.
  
• Maintain an updated schedule of all customer trading terms, rebates, commissions, and incentive structures.
  
• Validate and process trade spend, commission, and promotional claims in line with approved agreements.
  
• Work closely with the Sales department to ensure all commercial arrangements are financially clear and accurately reflected.
  
• Reconcile distributor and customer accounts, including credit notes, debit notes, and claim settlements.
  
• Prepare customer profitability reports, rebate analyses, and trade spend dashboards for management review.
  
• Coordinate with the Senior Accountant to ensure proper posting and reconciliation of customer-related transactions.
  
• Support the Sales department & CFO in ensuring financial implications are captured in the Customer agreements.
  
• Implement processes to strengthen financial accountability across sales channels and distributor partnerships.