Ashwin Younger

Credit Control and Credit Analysis professional with over 15 years’ experience across financial services, telecoms, and vehicle tracking sectors. Skilled in credit assessment, legal collections, affordability analysis, reconciliations, cash allocation, risk review, and managing high‑value debtor portfolios (up to R10 million). Known for reducing aged debt, resolving complex queries, and strengthening customer relationships while enforcing credit policies and compliance (NCA, FICA, FAIS).

Strong analytical, investigative, and negotiation skills with a proven track record in improving collections, supporting legal processes, and protecting company revenue. I bring a strong work ethic, resilience, and a mindset of continuous improvement. I take ownership of my tasks, resolve issues promptly, and consistently contribute toward reducing debt, improving customer satisfaction, and strengthening financial controls.

I am committed to adding value to any organisation through reliability, analytical depth, and professional integrity.

Credit Controller at Tracker Connect – Cresta (2022-05 – Present)

Managing a debtor’s book of +R10 million across corporate, government, retail, small business and large accounts.

• Manage collections on accounts 30–120+ days in arrears through calls, written communication, SMS notifications and visits.
• Negotiate repayment plans, settlements, and resolve queries within 24 hours.
• Conduct detailed age analysis and prepare monthly collection reports.
• Receipt and allocate payments and credit notes; follow up on remittances.
• Work closely with attorneys on handed‑over accounts and process legal feedback.
• Trace clients using ITC, XDS and Experian; manage credit bureau updates/removals.
• Handle deceased estates, debt counsellors, administrators, liquidators, and insolvent estates.
• Conduct fraud investigations on suspicious activations.
• Compile reconciliations, invoices, statements, arrears letters, and handover notices.
• Update client information (VAT, registration details) and maintain accurate records.
• Support cash-flow forecasting and report on unallocated payments.
• Successfully rehabilitated high-risk accounts to retain customers.
• Improved collection efficiency through structured processes and bulk updates.
• Reduced 90+ day debt through improved follow‑ups and query resolution.

Operator, Monitoring Control Centre at Tracker Connect (2018-10 – 2022-04)

• Coordinated emergency vehicle recovery between internal teams, law enforcement, and customers.
• Handled high‑pressure decision-making and ensured service standards were met.
• Provided technical support, accurate data capturing, and query resolution.
• Managed internal relationships, customer communication, and administrative accuracy.

Product Support Inbound at Tracker Connect (2017-09 – 2018-10)

• Handled product troubleshooting, escalations, database management, Skytrax SR distribution, investigations, and key account support.

Client Services Inbound (Upskilled to Legal Credit Controller) at Tracker Connect (2014-04 – 2017-09)

• One‑call resolution for all client queries; loading new contracts; data integrity updates.
• Cancellations, retention strategies, debt collection, arrears negotiation, and legal process handling.
• Conducted affordability assistance, basic financial guidance, and contract administration.
• Technical support for all Tracker products.
• Managed credit age analysis, payment arrangements, reactivations, suspensions, credit notes and settlements.
• Worked closely with attorneys and provided legal documentation and instructions.
• Extensive customer retention and negotiation experience.

Call Centre Agent & Credit Control at MTN (2009-06 – 2014-02)

• Handled 120–150 calls daily across customer care, billing queries, collections and arrears arrangements.
• Assisted corporate and business accounts with payment plans and account reactivations.
• Managed blacklist requests, VAS changes, troubleshooting, escalations, and return repairs.
• Negotiated arrangements aligned with customer payment profiles.

Customer Service Agent at Virgin Mobile South Africa (2008-12 – 2009-06)

• Customer care, activations, retail support, walk‑in assistance.

Credit Assessment & Vetting at ABSA – Connect Zone (Home Loans) (2005-05 – 2008-05)

• Evaluated new client credit applications; affordability checks; bureau report analysis.
• Verified bank statements and processed NCA‑compliant approvals.
• Generated contracts, quotations and customer communication.
• Managed escalations and tracked turnaround times.

Administration Clerk at ABSA Securities Group Administration (2003-09 – 2004-05)

• Filing, retrieving and basic administrative tasks.

Matric / Grade 12 – Coronationville Secondary School (2002 – 2002)