2. 2
PERSONAL DATA
SURNAME NAIDOO
FIRST NAME NEERMALA (VANESH)
IDENTITY NUMBER 7110220199087
SEX FEMALE
DATE OF BIRTH 22ND OCTOBER 1971
RESIDENTIAL ADDRESS 16 ADRIANA WAY
KELVIN
SANDTON
CONTACT TELEPHONE NUMBER CELL : 084 405 2658 ALTERNATIVE CONTACT: 084 464 0283
OFFICE: 011 790 1177 HOME: 011 656 2823
MARITAL STATUS MARRIED
HEALTH EXCELLENT
NATIONALITY SOUTH AFRICAN CITIZEN
HEALTH EXCELLENT
LANGUAGES ENGLISH :SPEAK – READ- WRITE
AFRIKAANS : SPEAK – READ – WRITE
EXTRAMURAL ACTIVITIES SPEECH CONTESTS, NETBALL, BASKET BALL, VOLLEY BALL
AND ATHLETICS
AVAILIBILITY 30 DAYS
3. 3
EDUCATIONAL QUALIFICATIONS
LAST SCHOOL ATTENDED
1985 – 1989
BRINDHAVEN SECONDARY SCHOOL
MONTFORD
CHATSWORTH
HIGHEST STANDARD PASSED MATRICULATED WITH EXEMPTION
SUBJECTS ENGLISH
AFRIKAANS
ACCOUNTING - DISTINCTION
PHYSICAL SCIENCE
MATHEMATICS
BIOLOGY
ACCOMPLISHMENTS CLASS MONITOR ; HEAD PREFECT ; AWARDS FOR ACADEMIC
ACHIEVEMENT; ON SPOT RECOGNITION ON OUTSTANDING
PERFORMANCE; EMPLOYEE OF THE YEAR AT NESTLE’
DEBTORS DEPT.
DISTINCTIONS OBTAINED ACCOUNTING
LEADERSHIP ROLES HEAD PREFECT – PINEWOOD PRIMARY
PREFECT – BRINDHAVEN SECONDARY
CAPTAIN – NETBALL TEAM
TERTIARY EDUCATION COMPLETED STUDIES:
1.CAREERS 2000
DIPLOMA IN PERSONAL COMPUTING
IE: MS OFFICE, WORD PERFECT, DOS PROGRAMS
2.UNISA - 1991
ACCOUNTING 1
COMMERCIAL 1 & 2
ECONOMICS 1
INTRODUCTION TO MANAGEMENT ACCOUNTING
BUSINESS MANAGEMENT 1
3.INTEC – 1994
BOOKKEEPING DIPLOMA
4. CREDIT SKILLS AND MANAGEMENT
CREDIT MANAGEMENT 1 – COMPLETED WITH A DISTINCTION
CREIT MANAGEMENT 2 – COMPLETED WITH A DISTINCTION
CREDIT MANAGEMENT 3 – FIRST CLASS PASS
CREDIT MANAGEMENT 4 – FIRST CLASS PASS HIGHEST IN
THE COUNTRY
COMPLETED – ORDER FULFILLMENT 1 SD MODULE COURSE
AT SAP FROM 12.05.2008 TO 23.05.2008
PART OF SAP SUPER USER TRAINING PROCESS
OTHER COURSES:
EXCEL : INTERMEDIATE AND ADVANCE
FINANCIAL ANALYSIS WORKSHOP
BACHELOR FO COMMERCE DEGREE IN RISK MANAGEMENT
GRADUATED IN JULY 2013 WITH NINE DISTINCTIONS
4. 4
EMPLOYMENT HISTORY
PRESENT EMPLOYMENT
NAME OF COMPANY
PERIOD OF EMPLOYMENT
POSITION
DUTIES
SASOL POLYMERS name changed to Sasol Base Chemicals
MARCH 2009 TO PRESENT
CREDIT RISK/CREDIT CONTROL MANAGER
Handling of all customer credit limit reviews:
Internet research on the relevant company
Credit Bureau checks to verify and establish credit record of the
customer via Experian online access.
Coach team with compiling of information for the credit review for
approval.
Liaise with customers when necessary to request further information
and all compulsory documentation relevant to a credit review or
credit application, also call for securities from customer is necessary.
Arrange customer visits to view financials if necessary.
Approvals of credit limit reviews
Financial Analysis of financial statements
Risk Analysis of Debtors
Verify and analyse information compiled by the Risk Analyst to make
a decision on the credit application submitted.
Assessment of new credit applications with critical and mandatory
checks and procedures for risk assessment.
Approve new credit applications from customers with the levels of
authority.
Liaise with the appointed credit insurance company, Coface with all
required credit insurance limits on local and export customers.
Hold monthly meetings with Coface to discuss status of the debtor’s
book.
Compile monthly turnover declaration for Coface to confirm the
premium due.
Attending monthly meetings with Sales and Marketing to discuss the
status of customers
Handling of delinquent accounts
Liaising with Attorneys on accounts handed over for Legal Action
Instruct Attorneys on legal cases handed for legal action
Issue letters of demands to overdue customers and negotiate
payment plans were necessary.
Prepare acknowledgement of debt documentation and issue to
delinquent customers to formalise the payment arrangements.
Perform monthly internal audit on all credit notes processed for the
month as part of the Sox testing process and procedures.
Approve credit notes prepared by the credit controller within
approval authority limits.
Approval of all master data changes on SAP
Custodian of all requests initiated by the business to ensure
accuracy and continuous work processes within SAP master data.
Month end reporting for credit control and credit risk
Monthly SOX audit to ensure corporate governance compliant within
credit control
Attend monthly credit forum
Manage three credit risk controllers, three credit risk controllers
Maintain surety register for the business
5. 5
PERIOD OF EMPLOYMENT
POSITION
DUTIES
Deal with Experian regarding credit ratings received on debtors
Monitor risk on all debtors for Sasol Polymers and Sasol Gas
Check and Approve rebates offered to customers
Dealing with securities from customers
SAP Super User on SD
Manage the daily debtors banking and the general ledger accounts
accordingly.
Oversee the integrity of the SAP master data for all customers
Liaise with Coface for credit insurance on debtors
Oversee three credit controllers that handle a book of approximately
1000 customers.
Prepare KPI and KPA’s
Conduct performance discussions on a monthly basis to evaluate
and discuss performance, development and progress thereof.
Handle the complete function for all customers that are insured
through Coface.
Liaise with the insurance company regarding customers and credit
facilities.
Prepare a report for the business to assess the value of insured and
uninsured debtors.
Prepare paperwork for approval on all bad debt write offs.
Prepare paperwork on requests for approval on credit facilities to the
Executive Board on Polymers.
Oversee and manage all day to day activities of the credit control
team and the credit risk team.
Possess extensive and in depth knowledge of SAP and Accounts
Receivable and Sales.
Attend workshops held by Experian on the markets, economy and
the industries and the effect on the customers.
Manage the month end process and perform health checks before
the period is closed for debtors. i.e all deliveries are completed and
billed in the correct period, all invoices are billed to the customer
with no errors for billing.
Estimated average value of the debtors book for both Base
Chemicals and Performance Chemicals : R5billion excluding
intercompany transactions. Manage risk portfolio of multiple
products and different industries.
SEPTEMBER 2006 TO MARCH 2009
CREDIT CONTROL SUPERVISOR
Supervisor of credit control department.
Totally responsible for monthly billing, payments and overdue
accounts for all customers on database.
Book Value of Debtors : R250 Million with 80 active debtors
Liaising with account managers and customers with regard to
overdue accounts.
Changes on Master Data on SAP
Process export and development rebates offered to customers,
calculated on excel spreadsheet and generate credit notes.
Compile monthly debtors reports i.e. DSO’s; Overdue accounts;
Annual Turnover; Monthly Turnover; Provision Bad debt; Trade
Debtors.
Liaise with customers regarding non payments, stop supply and
credit facilities.
6. 6
Manage the risk of the total debtors book, with daily communication
to the National Sales Manager; Account Managers and the
Marketing Manager.
Review and recommend credit facilities for new and existing
customers.
Analyse the payment pattern of customers and make
recommendations to the Sales team based on my findings.
Member of the project team for Operations Excellence for Sasol
Polymers.
Attend customer visits regarding payment issues and requests to
customers for security.
Custodian of all financial statements received from customers, to
ensure that an analysis is completed and filed with the financial
statements in a fireproof safe.
Have one credit controller reporting to me.
I report directly to the Marketing Manager
Prepare debtors monthly reports for Finance and Management
meeting.
Handle the changes that needed to be sent to SAP Maintenance
with regards to changes on master data on customers
SAP Super User for Sales and Distribution/Logistics Module and
Accounts Receivable.
Attend monthly Credit Forum meetings held at Sasol Polymers.
Request credit inform reports on new and existing customers
Analyse and recommend credit ratings on new credit applicants.
Compile motivations for clients with credit review and new accounts.
Handle difficult customers on behalf of credit controller.
Releasing of sales orders and credit notes.
Approval of credit notes generated by sales and admin departments.
Compile reports for Sales and Marketing.
Balance general ledger accounts ie: Trade debtors Bank
Reconciliation and Provision for Bad Debts.
Compile Provision for Bad Debt report for Finance.
Prepare a consolidated monthly Debtors report for Senior
Management
SAP Testing on QA for Accounts Receivable and Sales and
Distribution.
SAP Health Checks at month end for Accounts Receivable and
Sales and Distribution.
Work on Advanced Excel for reporting purposes.
Accountable for all aspects of debtors, ie: management of delinquent
accounts; monitoring credit limits, approve credit notes; financial
analysis of customer’s financial statements.
Liase with credit Inform on current debtors.
Handle debtors that are being handed over to Attorneys.
Compile Credit note register and reports and credit notes issued to
debtors on a monthly basis.
Attend workshops held by credit Inform.
Monitor credit exposure on all customers on a daily basis.
Ensure that all payments received, are correctly allocated to the
respective debtors, by the credit controller.
Manage and evaluate the performance of the credit controller.
Work of SAP Accounts Receivable and Sales and Distribution
7. 7
EMPLOYMENT HISTORY
PREVIOUS EMPLOYMENT
NAME OF COMPANY
PERIOD OF EMPLOYMENT
POSITION
DUTIES
PREVIOUS EMPLOYMENT
NAME OF COMPANY
BUSINESS CONNEXION COMMUNICATIONS
MARCH 2006 TO AUGUST 2006
SENIOR FINANCIAL ADMINISTRATOR
Supervisor of billing department
Totally responsible for monthly billing for all customers on database
Liaising with account managers and customers with queries and
Changes on Services rendered
Work on excel spreadsheet and Isoft
Have two invoice clerks that report to me
I report directly to the Financial Manager
Reconcile the monthly billing to ensure accuracy of revenue and
invoicing to the customers
Undergone full and advanced SAP Training on Sales and
Distribution/Logistics Module and Accounts Receivable
Worked on Isoft, SAP Accounts Receivable and Sales and
Distribution.
SASOL SOLVENTS & O S SOUTH AFRICA ROSEBANK
PERIOD OF EMPLOYMENT 1ST December 2001 TO March 2006
POSITION HELD SENIOR CREDIT CONTROLLER
JOB DESCRIPTION Handling of all local Durban based debtors – book value of R30 –
R50 million
120 active accounts
Major clients: Barloworld Plascon; Chemical Specialities; Engen;
Shell
Processing of all payments
Processing of journal entries, credit notes, invoicing
Daily banking of debtors receipts
Liaising with customers telephonically and electronically
Handling of all debtors queries recopy invoices & credit claims
Processing of all month end debtors reports
Printing of month end statements
Compiling a debtors collection forecast
Daily liaison with customers regarding receipt of invoices and
payments for month end
Attend monthly debtors meetings with management
Compiling reports for month end for the Kwazulu Natal region
Sasol standard on debtors days: 55 -60
My region debtors days achieved monthly between 37-47
Worked on SAP Accounts Receivable and Sales and Distribution.
8. 8
PREVIOUS EMPLOYMENT
NAME OF COMPANY
PERIOD OF EMPLOYMENT
ABB MV/LV SWITCHGEAR
1st October 1999 to November 2001
JOB DESCRIPTION Handling of all debtors – book value of R30 million – R85 million
80 active accounts
Processing of all payments, i.e. local and foreign
Processing of journal entries, credit notes, invoicing i.e. local and
foreign
Daily banking of debtors receipts
Liaising with the corporate bank regarding export proceeds
Booking rates with the dealing room for inward foreign funds
Liaising with foreign customers telephonically and electronically
handling of all debtors queries i.e. copy invoices & credit claims
Processing of all month end debtors reports
Compiling a debtors collection forecast
Daily liaison with customers regarding receipt of invoices and
payments for month end
Attend monthly debtors meetings with management
Handled Creditors, prepare reconciliations, pmts and queries,
cashflow forecast, capture invoices on statement.
Relief to switchboard
Worked on Impact
Reason for leaving: Company relocated to Johannesburg
9. 9
EMPLOYMENT HISTORY
PREVIOUS EMPLOYMENT
NAME OF COMPANY SAMSUNG ELECTRONICS (PTY) LTD
PERIOD OF EMPLOYMENT 30TH NOVEMBER 1997TO 1ST MARCH 1998
POSITION HELD CREDIT CONTROLLER
JOB DESCRIPTION Total control of major accounts i.e. Game Discount World
Book value R1 million
Major customer – Game
Reconciliation of account i.e. resolving credit requests for price
differences; shortages & returns
Processing of payments
Processing of journal entries
Tracing of goods not delivered to customer
Liaising with repair agents for progress of repairs on faulty
equipment
Processing of credit notes on credit claims
Worked on impact award system
REASON FOR LEAVING Temporary Assignment
PREVIOUS EMPLOYMENT
NAME OF COMPANY D & A TIMBERS (PTY) LTD
PERIOD OF EMPLOYMENT 1ST MARCH 1998 TO 1ST OCTOBER 1999
POSITION HELD CREDIT CONTROLLER
JOB DESCRIPTION Sole control over accounts M – Z
Book value R1.5 million
150 Active accounts
Major customers: Group Five; WBHO; LTA; Grinaker; Murray and
Roberts
Processing of all payment, journal entries, and credit notes.
Liaising with customers regarding collection of cheques for month
end.
Processing of debtors month end reports, overdue letters and
statements.
Worked on a balance brought forward system
Mainframe computer system
Reconciliation of all debtors on a monthly basis.
Handling of credit applications, liaising with Credit Guarantee for
insurance of debtors.
Requesting bank reports on new applications.
Release of orders on debtors that exceed credit limit on overdue
accounts.
Relief to cashier once a month at the cash desk for cash sales.
Balancing of the till
Processing of credit card payments.
Request authorisation on credit limits.
Relief to switchboard
Worked on AS400
Temporary assignment
10. 10
EMPLOYMENT HISTORY
PREVIOUS EMPLOYMENT
NAME OF COMPANY NESTLÉ SA (PTY) LTD
cnr Diesel &Industry Roads
Isando
PERIOD OF EMPLOYMENT 1ST SEPTEMBER 1996 – 30TH SEPTEMBER 1997
JOB DESCRIPTION Handling of ± 400 accounts with a book value of ± 5 Million.
100 Active accounts
Pick ‘n Pay
Processing of payments received
Processing of Journal Vouchers
Processing of Account Applications
Reconciliation of accounts
Handling claims and queries
Releasing orders on hold
Monitoring age analysis
Corresponding with customers on overdue accounts.
Worked on AS400
REASON FOR LEAVING Relocating to Durban
11. 11
NAME OF COMPANY NESTLÉ SA (PTY) LTD
31 Lanner Road
New Germany
3620
PERIOD OF EMPLOYMENT 1ST APRIL 1995 – 1ST SEPTEMBER 1996
POSITION HELD CREDIT CONTROLLER
JOB DESCRIPTION Handling of 500 accounts with a book value of R1 million.
Major customers: Fedics; Supervision
Processing of payments received from customers.
Processing of Journal Vouchers
Credit verification of new vendor
Reconciliation of accounts
Handling claims and queries, copy invoices and compiling credit
notes
Filing of customer documentation
Releasing of orders on hold
Processing of invoices for service and repairs
Control of cash receipts issued
Administration of agencies documentation
Controlling and checking of delivery notes
Processing credit notes and payment
Monitoring of age analysis
Corresponding with customers on overdue accounts
Counting of daily takings received from vending machines and
processing relevant administration for stock control purposes
Processing of lease documents on Vending machines, and the
Collection of rental thereof.
Relief to switchboard operator
Worked on AS400
NAME OF COMPANY FUTURA FOOTWEAR
PERIOD OF EMPLOYMENT 1ST JULY 1990 – 31ST MARCH 1995
POSITION HELD CLAIMS CLERK – MARKETING DIVISION
DUTIES Customer queries, lodging all formal claims with transporters,
issuing of all credit notes, loading of orders and distributions on to
computers.
PROMOTED POSITION CREDIT CONTROLLER
DUTIES Handling of ± 500 active accounts – book value of ± R7 million to ±
R33 million.
Major Customers : UPC Group; Hyperama; OK; Makro; Trade
Centre
All aspects of credit control including the processing of all cheques
and credit claims.
Reconciliations of these accounts which require attention, chain
stores, e.g. UPC (Edgars), Pick ‘n Pay, Makro, Ackermans,
OK,Checkers, Woolworths, Jumbo and The Hub.
Legal letters and follow up correspondence
Trade References
Preparation of Journals and the processing thereof.
Withholding of orders for delinquent accounts.
Liaising with Area Managers, Representatives and Financial
Director.
Relief to Switchboard Operator.
Reason for leaving: Career Opportunity
