Marguerite Freney

• Responsible for Consumer and Commercial Debtors
• leading the Credit department during a merge of two acquisitions
• Escalation to legal recovery of customers in breach of contract in line with company policy.
• Working and engaging with relevant stakeholders To build and ensure ongoing quality customers relationships.
• Led team meetings to enhance communication and collaboration among team members.
• Assisted in project planning and execution, ensuring alignment with company objectives.
• Supported training initiatives to improve team skills and performance.
• Implemented process improvements to streamline workflow efficiency.
• Provided feedback on team performance, fostering a culture of continuous improvement.
• Assisted in recruitment to build team of top performers.
• Increased customer satisfaction with prompt and accurate issue resolution, leading dedicated customer service team.
• Established open and professional relationships with team members to achieve quick resolutions for various issues.

• Responsible for management/approval and maintaining existing corporate contracts.
• Evaluating and reviewing credit contracts. Ensuring the accuracy of all data collected, maintain relevant documents and files.
• Risk assessment of contracts to establish credit worthiness.
• Review and analyse credit reports to determine credit limits and trading terms.
• Negotiation, communication with internal and external stakeholders to variation of contract.
• Ensure contracts are compliant with the company policies and procedures
• Communicating with customers should they fall outside of contract agreement.
• Escalation to legal recovery of customers in breach of contract in line with company policy.
• Weekly meeting with management team in order to identify and report on customers breeching contracts.
• Liaise with offshore team ensuring funds are allocated to the correct accounts in alliance with Terms of conditions of contract with customer.
• Working and engaging with relevant stakeholders (contract owners, project managers, relationship and business development managers). To build and ensure ongoing quality customers relationships.
• Mentoring coaching and assisting national Credit Officers, four credit officers onshore and eight offshore credit officers
• Customer base of approx. 13,000+ new contracts. Annual turnover approx. 450M.
• Working on continuous improvement of culture and company efficiencies.
• Manage weekly business KPI’S
• Supervised daily operations, ensuring compliance with safety and quality standards.
• Trained and mentored team members to enhance performance and product knowledge.
• Coordinated staff schedules to ensure adequate coverage during peak hours.

• 2IC to National Credit Manager

• Customer base of 13,000+ contracts

• Review new contracts to ensure they are completed in line with company policy.
• Collect and analyse reports to establish outcome of contracts; terms, credit limits
• Liaise and negotiate with establishment owners if contracts are incomplete to ensure compliance.
• Engage with senior management regarding matters outside of company policy to establish mutually acceptable outcomes.
• Responsible for management/maintaining of corporate contracts. (Multi store owners and corporate customers).
• Recommend corporate accounts for our corporate American Express program.
• Liaise with customer if account falls outside of contract terms.
• Negotiate with customer regarding any variations to contract.
• Manage accounts to ensure variation to contract is being adhered to.
• Liaise with customers to resolve contract disputes.
• Analyse commercial reports to identify any contracts that have fallen outside of contract terms.
• Escalate contracts to debt recovery processes that are in default of contract.
• Review of contract once variation to contract is complete to establish new terms of contract.
• Weekly report to relevant stakeholders of contracts outside of terms.
• Escalate contracts for closure once contracts are completed.
• Working closely with National Credit Manager to ensure contracts are compliance with company guidelines.
• Assisting National Credit Manager with End of Month calculations and provisions provided for bad debts.
• Working and engaging with relevant stakeholders (contract owners, project managers, relationship and business development managers).
• Self-motivated, with a strong sense of personal responsibility.
• Worked effectively in fast-paced environments.
• Skilled at working independently and collaboratively in a team environment.
• Proven ability to learn quickly and adapt to new situations.