• Link between the Credit department and all other within the business.• Overseeing AR for VF Brands (The North Face, Timberland, Vans and Others) across the EMEA region. • Supporting all Credit forecasting facilities, ensuring accuracy and timeliness. • First point of contact for Escalations, Orderbook Conversion and Risk Mitigation. • Communicating and engaging with senior brand stakeholders and customers, fostering strong relationships and ensuring a smooth financial operation.• Analysing credit data, preparing detailed reports and developing strategies to optimise credit management processes.

• Conducted efficient customer onboarding, aligning with risk levels and upholding data integrity. • Executed credit decisions and ensured the timely and accurate processing of master data changes.• Evaluating credit risk across the business, including reviewing the creditworthiness of new and existing customers and assess the risk of extending credit to them.• Reviewing and analysing client management accounts, profit & loss and balance sheets. • Completing anti-fraud verification checks and examining identification documents for new and existing customers.• Ongoing monitoring of creditworthiness to anticipate potential risks and presenting findings to the Commercial Managers. • Daily KPI reporting, enabling real-time performance assessment and completing bad debt write-offs• Building and maintaining relationships with customers, internal stakeholders, and external partners to support the credit control function and the overall success of the business, fostering a culture of excellent customer service.Managed training for new personnel, designed and implemented training programmes, conducted audit checks for industry regulation compliance, and provided coverage for supervisors when necessary.

Key Achievements and Responsibilities• Managed creditor debts diligently, effectively recovering outstanding SME debt and maintaining debt ledgers.• Investigated potential fraudulent changes in tenancy and promptly addressed risks.• Applied Kaizen and Continuous Improvement principles, identifying areas for process improvement. • Conducted comprehensive risk assessments using client information from credit reference agencies. • Addressed and resolved debt-related queries using SAP/Sage systems, proactively enhancing efficiency. • Initiated and executed the process for writing off irrecoverable debts, significantly saving time through automation of the letter-sending process.

Key Achievements and Responsibilities• Managed creditor debts diligently, effectively recoveringoutstanding SME debt and maintaining debt ledgers.• Investigated potential fraudulent changes in tenancy andpromptly addressed risks.• Applied Kaizen and Continuous Improvement principles,identifying areas for process improvement.• Conducted comprehensive risk assessments using clientinformation from credit reference agencies.• Addressed and resolved debt-related queries using SAP/Sagesystems, proactively enhancing efficiency.• Initiated and executed the process for writing off irrecoverabledebts, significantly saving time through automation of the letter-sendingprocess.

Key Achievements and Responsibilities• Provided the best financial solutions to meet customer’srequirements.• Assisted customers in financial difficulties and/or in arrears withtheir banking products, including personal bank accounts, credit cards,and personal loans.• Achieved collections and financial support goals through thetraining of new staff members.