Credit Specialist at KingMakers

• As a credit specialist your responsibilities is to administer and monitor credit extended to agents across the KingMakers agency network, ensuring appropriate allocation, timely recovery and compliance with credit policies. The role requires strong data tracking and analytical skills to identify risks, improve repayment performance and support credit decisions while minimizing disruption to agent trading

Requirements

Credit Assessment and Allocation

• Assess agents' creditworthiness using trading performance, repayment history, existing liabilities and approved eligibility criteria
• Ensure credit allocations comply with approved limits and are supported by appropriate assessments, approvals and documentation
• Monitor credit utilization, identify irregularities and recommend adjustments based on performance and risk

Credit Monitoring and Recovery

• Monitor outstanding balances, overdue liabilities and repayment commitments across assigned agents and Business Partners
• Follow up proactively to secure timely repayment and maintain accurate recovery records
• Escalate persistent defaults and significant exposures, recommending actions to improve repayment discipline

Blocked Account Management

• Track blocked accounts, particularly Business Partner owned shops
• Engage responsible Business Partners to resolve liabilities and coordinate approved deductions
• Verify payments and facilitate prompt reactivation once settlement and applicable requirements are confirmed
• Maintain a tracker of recovery actions, account status and recurring defaults, escalating unresolved cases

Credit Control and Compliance

• Ensure credit transactions and adjustments comply with approved policies and authorization procedures
• Identify and escalate irregular transactions, unauthorised funding and potential misuse
• Support approved credit restrictions and corrective actions
• Maintain clear audit trails and recommend improvements to address control gaps

Reconciliation and Account Support

• Reconcile disbursements, repayments, deductions and outstanding balances
• Investigate discrepancies and work with relevant teams to resolve payment and account issues
• Ensure verified payments and approved adjustments are accurately reflected in agent accounts
• Communicate credit decisions, repayment expectations and restrictions clearly
• Collaborate with Regional Sales Managers and other stakeholders to resolve issues affecting agent productivity

Data Analysis and Reporting

• Prepare daily, weekly and monthly reports on disbursements, liabilities, recoveries, overdue balances and blocked accounts
• Use Excel to clean, validate, reconcile and analyse credit and trading data
• Maintain reliable trackers and identify trends requiring intervention
• Provide practical recommendations to improve credit allocation, recovery and operational efficiency
• Maintain accurate records for management reviews and audits.