Summary
Overview
Work History
Education
Skills
Key Achievements
Accomplishments
References
Timeline
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SUSAN WAMBUI NJIRU

NAIROBI

Summary

Results-driven and highly experienced Credit Control Manager with over 13 years of progressive experience in credit risk management, account reconciliation, debt recovery, and financial reporting within the pharmaceutical, manufacturing, and FMCG industries. Proven expertise in developing and executing effective credit control strategies that reduce bad debt, improve cash flow, and ensure compliance with company credit policies. Skilled in client engagement, payment negotiation, and dispute resolution with a strong track record of meeting and exceeding collection targets.

Overview

13
13
years of professional experience

Work History

Senior Credit controller- Collections

Nairobi women's Hospital
01.2025 - Current
  • Receive and verify reconciled statements of accounts from the Senior Credit Officer, Claims and Reconciliation, to ensure accuracy and consistency.
  • Assign debt accounts to the collections team in coordination with the Credit Controller, ensuring efficient follow-up and resolution.
  • Negotiate and implement feasible payment plans for outstanding debt in collaboration with the Credit Controller, supporting timely collections and customer satisfaction.
  • Participate in monthly collection target setting and incentive planning, aligned with overall departmental budget and strategic goals.
  • Led the team in achieving monthly and quarterly debt recovery targets, improving collections performance.
  • Develop, manage, and monitor the department’s budget to ensure effective allocation of resources and cost control.

Credit Officer

Kasha Technologies Ltd
Nairobi
07.2024 - 11.2024
  • Conducted in-depth credit assessments of potential clients to evaluate creditworthiness using internal scoring models, financial history, and reference checks.
  • Maintained up-to-date and accurate records of debtors' accounts, ensuring data integrity and compliance with internal policies.
  • Performed regular account reconciliations to identify discrepancies, and resolve outstanding issues with clients promptly.
  • Followed up on overdue accounts through phone calls, emails, and client visits, ensuring timely collections, and building strong client relationships.
  • Recommended appropriate credit limits and payment terms to minimize financial risk.
  • Ensured compliance with the company’s credit policies and relevant legal/regulatory frameworks.

Credit Control Lead

Medsource Group Limited (Company Closed down)
Nairobi
12.2022 - 06.2024
  • Led and managed timely debt collections, proactively engaging with clients to negotiate sustainable and effective payment plans that minimized bad debt exposure.
  • Monitored customer credit utilization and conducted regular credit reviews to mitigate risk and ensure compliance with company credit policies.
  • Reviewed and vetted potential credit applicants by assessing creditworthiness through internal criteria, credit references, and historical data analysis.
  • Delivered accurate and timely monthly credit control and collections reports, supporting finance team objectives and senior management decisions.
  • Maintained comprehensive and accurate debtor accounts, ensuring all transactions and adjustments were recorded in a timely manner.

Senior Credit Controller

Harley's ltd.
Kenya
07.2012 - 12.2022
  • Reconciled customer accounts monthly, identifying and resolving discrepancies to maintain financial accuracy and improve customer relationships.
  • Processed journal entries for VAT withheld by clients, ensuring compliance with tax regulations and accurate financial reporting.
  • Posted and allocated daily customer payments including calques, bank transfers, and M-Pesa transactions, streamlining cash application and improving cash flow tracking.
  • Investigated and resolved customer account queries promptly, enhancing customer satisfaction and reducing billing disputes.
  • Coordinated the timely generation and delivery of credit notes, contributing to accurate customer billing and effective account management.
  • Assessed and evaluated credit applications for new clients, verifying eligibility in line with internal standards and industry best practices.

Education

CPA Part 3&4 -

Summit Institute of Professional Studies
12-2025

CCP (Certified credit Professional) -

Kenya School of Credit Management
Nairobi
12.2008

A-LEVELS - UNEB(Uganda National Examinations Board)

Hamdan Girls High School
Kampala
12.2006

Skills

  • Account Reconciliation
  • Credit Risk Assessment
  • Debt recovery
  • Aging Report Analysis
  • Budget management
  • Cash flow forecasting
  • Financial reporting
  • Regulatory compliance
  • Customer service
  • Data management
  • Cash Flow Management
  • Bank Reconciliation

Key Achievements

  • Reduced outstanding receivables by a significant rate at Medsource Group Ltd within the first six months by implementing structured follow-ups and improving customer engagement strategies.
  • Maintained over 95% accuracy in debtor accounts through consistent reconciliations, timely posting of payments, and VAT journal processing at Harleys Ltd.
  • Successfully negotiated over 100 payment plans with clients annually, minimizing risk exposure and supporting business cash flow sustainability.
  • Streamlined credit vetting processes and reduced client onboarding time at Harleys Ltd through the implementation of standardized credit evaluation criteria.
  • Improved monthly reporting timelines by 100%, ensuring all credit reports were delivered within set deadlines at Medsource Group Ltd.
  • Awarded ‘Best Team Player’ at Harleys Ltd for consistently exceeding credit recovery targets and mentoring junior team members.
  • Consistently achieved monthly collection targets, contributing to over 90% recovery rate across key accounts at Harley's.
  • At Harley's I played a key role in reducing aged debt (90+ days) by 40% over a 12-month period through proactive credit control and reconciliation measures.

Accomplishments

  • ISO 9001;2008 QMS Awareness & Documentation training course.
  • Occupational First Aid training course | Red Cross
  • Certificate of appreciation as the best team player|Harley's Ltd.
  • A certificate of recognition as a councilor prefect.

References

References available upon request.

Timeline

Senior Credit controller- Collections

Nairobi women's Hospital
01.2025 - Current

Credit Officer

Kasha Technologies Ltd
07.2024 - 11.2024

Credit Control Lead

Medsource Group Limited (Company Closed down)
12.2022 - 06.2024

Senior Credit Controller

Harley's ltd.
07.2012 - 12.2022

CPA Part 3&4 -

Summit Institute of Professional Studies

CCP (Certified credit Professional) -

Kenya School of Credit Management

A-LEVELS - UNEB(Uganda National Examinations Board)

Hamdan Girls High School

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