Commercial & Credit Officer at Tropical Heat

Purpose of the Role

To bridge Finance and Sales by managing all customer-related financial processes; ensuring accuracy, visibility, and alignment across credit management, rebates, commissions, and trade terms. The role safeguards financial discipline in commercial decisions, improves cash flow performance, and enhances collaboration between Finance and Sales teams.

Key Responsibilities

• Manage credit control and customer receivables, ensuring collections are timely and exposure remains within approved limits.
• Lead regular credit review meetings with Sales and Finance to align on collections, terms, and risk mitigation.
• Maintain an updated schedule of all customer trading terms, rebates, commissions, and incentive structures.
• Validate and process trade spend, commission, and promotional claims in line with approved agreements.
• Work closely with the Sales department to ensure all commercial arrangements are financially clear and accurately reflected.
• Reconcile distributor and customer accounts, including credit notes, debit notes, and claim settlements.
• Prepare customer profitability reports, rebate analyses, and trade spend dashboards for management review.
• Coordinate with the Senior Accountant to ensure proper posting and reconciliation of customer-related transactions.
• Support the Sales department & CFO in ensuring financial implications are captured in the Customer agreements. 
• Implement processes to strengthen financial accountability across sales channels and distributor partnerships.

Qualifications and Experience

• Bachelor’s degree in Finance, Accounting, or a related course.
• CPA/ACCA qualification (or in progress).
• Minimum 4 years’ experience in FMCG or distribution, preferably in credit control, commercial finance, or trade accounting.
• Strong analytical, reporting, and Excel / Google Sheet skills.
• Sound understanding of customer and distributor financial dynamics.
• Excellent interpersonal and communication skills, with a collaborative approach.
• High integrity, strong follow-through, and attention to detail.