Lindelwa Radebe

Performance-driven and analytical Senior Debt Recovery Specialist and Credit Controller with over 10 years of broad experience in high-volume debt collection, overdue account management, and financial risk mitigation. Proven track record of managing multi-million Rand client portfolios across banking, statutory tax (SARS), municipal, and commercial fintech sectors. Expert in negotiating structured payment plans, securing Promises to Pay (PTP), reconciling debtor ledgers, and enforcing strict compliance under the National Credit Act (NCA), Debt Collectors Act, and POPIA data privacy standards.

Senior Debt Collection Specialist & Revenue Compliance Agent - Dredin Consulting

(2024-02)

• Statutory Portfolio Recovery: Manage active debt collection lifecycle for South African Revenue Service (SARS) outstanding taxpayer balances, securing high monthly collection quotas.
• High-Volume Contact Execution: Conduct over 100+ outbound and inbound debtor calls daily using Buzzbox automated dialers and Swordfish CRM systems.
• Payment Negotiations & Restructuring: Evaluate debtor financial profiles to negotiate lawful Promises to Pay (PTPs), settlement terms, and structured installment arrangements.
• Query Resolution & Compliance: Investigate and resolve debtor billing disputes, maintaining an accurate legal audit trail and ensuring 100% POPIA compliance.

Credit Controller & Accounts Receivable Specialist - Alpha FinTech ALoan

(2020-10 - 2024-01)

• Ledger & Accounts Management: Managed overdue creditor ledgers and active loan accounts, ensuring timely payments and reducing non-performing receivables.
• Cash Flow Optimization: Conducted weekly aging analysis and debtor reconciliations to identify high-risk accounts and accelerate payment turnarounds.
• Credit Risk Evaluation: Monitored customer credit limits, tracked default payments, and issued formal payment demand notices in alignment with company credit policy.

Debt Collection Agent (Banking Portfolio) - TSL Legal Attorneys

(2017-05 - 2020-08)

• Banking Debt Recovery: Executed specialized collections on First National Bank (FNB) overdue loan accounts and revolving credit facilities.
• Pre-Legal Tracing & Escalation: Traced non-responsive debtors, conducted financial affordability assessments, and escalated unresolved accounts for legal action.
• Target Achievement: Consistently met and exceeded monthly recovery targets through assertive communication and effective objection handling.

Debt Collection Agent (Municipal & TV License Portfolios) - Khumalo Masondo Attorneys

(2014-06 - 2017-03)

• Public & Consumer Debt Collection: Collected on handed-over consumer accounts, including municipal rates and SABC TV Licence arrears.
• Data Capturing & Verification: Captured debtor contact information, payment commitments, and call notes into legal CRM databases with maximum accuracy.
• Debtor Follow-Ups: Tracked payment commitment dates to prevent broken PTPs and maintained ongoing communication with account holders.

Senior Certificate (Matric / Grade 12) - Pimville High School (2012)