Candidate CTOMT11919
none
Not specified
13-01-2026 9:41 AM
English, Portuguese, Full-time
yes
per direct
N/A
I am writing to express my interest in the Credit Manager position at your company. With over 35 years of credit risk and credit portfolio management experience across Africa and Europe, I bring a unique blend of local market expertise and international exposure. For the past three years, I have been managing the credit operations for an international firm in the Netherlands, gaining valuable insights into European, Asian and Americas markets, compliance frameworks, and global best practices.
My career highlights include reducing DSO from 105 to 70 days, cutting bad debt provisions by more than 60%, and successfully directing debtor portfolios of up to R500M across multiple regions. I have implemented electronic credit systems nationally, strengthened compliance, and led ERP rollouts ahead of schedule. These achievements reflect my ability to deliver sustainable credit performance, align risk appetite with business goals, and lead credit teams to operational excellence, with the ultimate goal of increasing sales turnover.
I am particularly drawn to your company because of its reputation for business growth and future representation in the SA market, and I am confident that my expertise in credit risk management, policy development, and cross-functional leadership would add significant value to your team.
I would welcome the opportunity to discuss how my experience and skills align with your requirements. Thank you for considering my application, and I look forward to the possibility of contributing to [Company Name]’s success.
Sincerely,
Johnny Alcides Magalhaes Coelho