Summary
Overview
Work History
Skills
Timeline
Generic

MWAMBA KHWABE PHIRI

Livingstone

Summary

Experienced and results-driven Credit Professional with over 6 years of expertise in the Insurance, agriculture and hospitality. Proven track record in credit risk analysis, loan portfolio management, and regulatory compliance, with a strong ability to design and implement effective credit policies and processes. Adept at leading high-performing teams, building strategic partnerships, and delivering exceptional results in fast-paced environments.

Overview

3
3
years of professional experience

Work History

CREDIT MANAGER

Minor Hotels International
07.2023 - 06.2025
  • Credit Control and Payment Collection Oversight
  • Effectively managed credit accounts for regional and international corporate clients, ensuring timely collection of payments, resolution of billing queries, and maintenance of a low bad debt ratio. Ensured weekly issuance of receipts and monthly distribution of account statements, supporting compliance with internal credit policies.
  • Customer Account Reconciliation and Financial Reporting
  • Oversaw accurate allocation of payments in the hotel’s financial system. Performed monthly customer account reconciliations and followed up on disputed transactions. Prepared weekly, monthly, and quarterly debtor reports, highlighting overdue balances and assessing credit exposure across all partner accounts.
  • Credit Risk Review and Booking Clearance Support
  • Reviewed credit exposure and payment status of clients prior to confirmation of high-value bookings or group events. Ensured that clients with outstanding balances were reviewed and flagged for credit clearance before further services were rendered, aligning with internal risk protocols.
  • Audit Readiness and Policy Compliance
  • Ensured full compliance with the hotel’s credit control procedures and regulatory standards. Maintained well-documented records of remittances, receipts, and reconciliations to support internal and external audits. Proactively addressed control weaknesses and implemented improvements as needed.
  • Budget Contribution and Receivables Forecasting
  • Collaborated with finance and operations to provide accurate receivables forecasts for budgeting purposes. Contributed to the development of the annual financial plan by supplying data on historical payment trends, customer aging, and expected cash inflows.
  • Client Relationship Management and Collaboration
  • Maintained strong professional relationships with client finance teams and internal stakeholders. Scheduled regular follow-up meetings to discuss outstanding payments, reconcile discrepancies, and improve communication around invoicing and payment terms.
  • Team Leadership: Lead and mentor a high-performing credit team, fostering a culture of collaboration, accountability, and continuous improvement
  • Key Achievements:
  • Maintained a credit portfolio with 90% current status, exceeding policy requirements and demonstrating effective risk management.
  • Managed a credit portfolio with a total credit limit of USD 5,147,142.86.
  • Achieved zero bad debt write-offs in the 2023 and 2024 financial years through proactive risk monitoring and early intervention strategies.

CREDIT CONTROL ASSISTANT

SEEDCO INTERNATIONAL
LUSAKA
08.2022 - 07.2023
  • Credit Control Strategy and Performance Management
  • Maintained a strong credit position with a Debt-to-Sales ratio of just 5%, using strategic financial oversight and consistent enforcement of credit terms to minimize bad debt exposure.
  • Credit-Based Agricultural Distribution Oversight (FISP)
  • Successfully managed the Farmer Input Support Programme (FISP) in Luapula, Southern, and Northern Provinces. Oversaw the distribution of seed on credit to farmers, led a reconciliation team, and ensured full compliance with program and financial requirements through to final payment.
  • Credit Risk Analysis and Reporting
  • Prepared detailed Expected Credit Loss (ECL) reports to support risk identification and mitigation strategies. Informed management decisions by highlighting debtor exposure and trends in receivables performance.
  • Complex Account and Payment Reconciliation
  • Reconciled complex client accounts and payment records across multiple stakeholders. Ensured accuracy, regulatory compliance, and that financial statements remained current and auditable.
  • Credit Policy Development and Enforcement
  • Designed and implemented credit control policies aligned with internal objectives and industry standards. Ensured timely payment submissions, reduced overdue accounts, and supported long-term customer relationships.
  • System and Process Optimization
  • Reviewed and optimized internal credit control systems and workflows. Introduced new practices to reduce delinquency, improve receivables tracking, and streamline collection efforts.
  • Cross-Departmental Collaboration and Escalation
  • Engaged internal teams to resolve delayed or disputed payments. Acted as liaison between credit control, sales, and finance to ensure swift resolution of issues and protection of company cash flow.

Skills

  • Credit /Risk Management
  • Multiple Accounting packages
  • Public speaking
  • Budgeting and forecasting
  • Strategic Thinking
  • Performance Monitoring
  • Financial Reconciliation
  • AI Proficient
  • Microsoft Office Package
  • Preparation of Management report

Timeline

CREDIT MANAGER

Minor Hotels International
07.2023 - 06.2025

CREDIT CONTROL ASSISTANT

SEEDCO INTERNATIONAL
08.2022 - 07.2023

Similar Profiles

CREATE PROFILE
MWAMBA KHWABE PHIRI