Gwendoline Selowa

Credit and Asset Finance professional with 8+ years of experience coordinating finance deals from approval through to activation, preparing finance documentation, and ensuring FICA, insurance, and NaTIS compliance. Skilled in liaising with customers, dealers, insurers, and internal departments to track deal progress and resolve funding or documentation issues. Proven track record in credit vetting, affordability assessment, and regulatory compliance (NCA, FICA, RICA), with hands-on experience approving sales orders and finance contracts on SAP.

Currently completing a Degree in Management Accounting (UNISA) to further strengthen financial and analytical skills.

Credit Officer - Alliance Finance (AFCL) – Tata International South Africa

(2025-08)

• Coordinate asset finance deals from approval through to activation, assessing credit applications in line with company policies
• Prepare and review finance documentation and addenda, including credit checks and affordability assessments for customers
• Monitor customer repayments and identify arrears or potential defaults
• Ensure FICA, insurance, and NaTIS documentation is complete and correctly verified before deal activation
• Approve sales orders on SAP for customer transactions
• Work closely with the sales department to ensure successful product delivery to customers
• Liaise with customers, dealers, insurers, and internal departments to keep deals progressing smoothly
• Track deal progress and resolve funding or documentation issues to prevent activation delays
• Support credit administration and compliance throughout the funding process

Credit Vetting Agent - Teljoy, Midrand, South Africa - Midrand, South Africa

(2018-01 - 2025-08)

• Vetted business and consumer credit applications according to company policies
• Conducted affordability assessments and evaluated customer credit profiles
• Verified customer information and ensured accurate data capturing
• Ensured compliance with RICA and company documentation requirements
• Investigated fraudulent activities and escalated discrepancies where necessary
• Liaised with sales teams and administrators regarding outstanding documentation

Customer Care Agent - Teljoy, Midrand, South Africa - Midrand, South Africa

(2016-02 - 2018-03)

• Assisted customers with account payment and delivery queries
• Processed customer refunds and account reconciliations
• Updated customer records and maintained accurate system information
• Resolved customer complaints professionally and efficiently

Debt Collection Agent - Teljoy, Midrand, South Africa - Midrand, South Africa

(2015-07 - 2016-01)

• Collected outstanding payments from customer accounts
• Followed up on overdue accounts and negotiated payment arrangements
• Resolved billing queries and payment disputes
• Converted customers from cash payments to debit orders

Peer Educator - Danville Municipal Clinic, Pretoria, South Africa - Pretoria, South Africa

(2014-07 - 2015-06)

• Captured and updated patient information accurately while maintaining confidentiality
• Supported health awareness and community outreach programmes

Sales Representative - Stock Market Dynamics, Pretoria, South Africa - Pretoria, South Africa

(2014-02 - 2014-05)

• Promoted and sold software products to new and existing clients
• Generated sales leads through cold calling and networking

Debt Collection Clerk - Fourie and Associates, Pretoria, South Africa - Pretoria, South Africa

(2013-02 - 2014-01)

• Collected overdue payments and negotiated payment arrangements with clients
• Processed customer statements and maintained accurate account records

Administrator - TUT Health & Wellness, Ga-Rankuwa Campus, Pretoria - Pretoria, South Africa

(2010-02 - 2012-11)

• Performed filing, typing, and document management duties
• Maintained accurate records and data capturing for departmental activities

Degree - Management Accounting - UNISA, Pretoria

Certificate - NCA - FAIS Forward Academy

Certificate - FICA Level 2: Practical Compliance and Risk Management - Elevate X

Programme - Credit Management - UNISA, Pretoria

Certificate - Financial Management - UNISA, Pretoria (2014 - 2014)

Matric - Tsako Thabo Secondary School, South Africa (2009 - 2009)