Job Description

When it comes to putting people first, we're number 1.

The number 1 Top Employer in South Africa.

Certified by the Top Employer Institute 2025.

Role Purpose/Business Unit:

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To lead the strategic and operational Credit-to-Collect (C2C) function across Vodacom South Africa (VSA), overseeing the full cycle from credit risk assessment to cash collection. This role defines VSA's credit appetite for both consumer and enterprise customers, ensures alignment with financial goals, and embeds strong credit governance across the business. The role is responsible in leading the transformation of credit operations from reactive execution to predictive, data-driven decision making.



The incumbent will manage policies, people, processes, and systems to minimize credit risk while supporting commercial growth. The incumbent will be responsible for deploying, applying and operationalising data models and insights to reduce credit risk, enhance collections efficiencies and improve forecasting accuracy. The ME of Credit to Collect plays a strategic role in supporting VSA's customer retention efforts by identifying and addressing credit and payment related drivers of customer churn.

Your responsibilities will include:

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Strategic Credit leadership:

Define and implement VSA's credit strategy and risk appetite across all segments (consumer and enterprise). Develop and enforce credit policies, scorecards, and risk segmentation frameworks based on internal data and external bureau insights such as TransUnion, Experian, XDS etc. Serve as the credit governance authority, providing oversight on credit risk exposure, credit terms, customer onboarding practices, and write-off policies. Advise the VSA FD and Executive teams on portfolio risk trends, bad debt provisions, and trade credit exposure forecasts.

Operational excellence:

Oversee all aspects of the Credit-to-Collect process: credit assessment, cash application, collections, dispute resolution, and reporting. Lead the deployment and optimization of credit and collection systems and Dispute Management modules in collaboration with VSA IT and Finance. Ensure customer master data integrity and compliance with FICA, KYC, POPIA, and National Credit Act requirements. Build and manage a high-performing Credit & Collections team (including consumer and B2B portfolios).

Stakeholder & Cross-Functional Engagement

Partner with Sales, Legal, COPS, and FBPs to align credit decisions with business growth while managing risk. Partner with COPS and commercial teams to identify and reduce involuntary churn. Lead credit committee meetings and engage with external partners such as credit insurers, debt collectors, legal counsel). Act as an escalation point for large or sensitive customer disputes, blocked orders, or high-value debt.

Performance & Risk Reporting

Deliver monthly executive-level reporting on:
+ Credit risk exposure and segment-level performance
+ Days Sales Outstanding (DSO) and collections efficiency
+ Bad debt provisioning and forecasted impairments
+ Credit limit utilisation and exposure by customer tiers
Lead data-driven strategies to optimize the credit to collect lifecycle using SAP, bureau data and analytics platforms. Use SAP and BI tools to generate actionable insights and drive continuous improvement.

The ideal candidate for this role will have:

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University graduate, preferably from Finance and Accounting, Statistical Science, Business Administration, Economics, etc. Minimum of 10 to 15 years' experience (with 3 years in a senior management role) in Credit to Collect. Experience with both Consumer and B2B credit portfolios Telecommunications/ Banking sector experience is desirable.

Core competencies, knowledge and experience:

Leadership skills and experience in managing teams in a complex and changing/dynamic operating environment Strong team leader/interpersonal skills Excellent communication skills to ensure a transparent representation of the results, processes and procedures and to influence multiple stakeholders Able to manage through competing or conflicting targets Can Do' mindset with focus on customer satisfaction beyond expectations Analytical mind, able to work with detail and to see the 'big picture'


Closing date for Applications:

22 July 2025.

The base location for this role is

Vodacom, Midrand Campus.

The company's approved Employment Equity Plan and Targets will be considered as part of the recruitment process. As an Equal Opportunities employer, we actively encourage and welcome people with various disabilities to apply.

Vodacom is committed to an organisational culture that recognises, appreciates, and values diversity & inclusion.