Munaum A.

Credit Manager @YESSS Electrical

Normanton, GB

Built and now lead the Credit Management Department for a £270m+ electrical wholesale group, with responsibility for credit policy, litigation, risk management, insurance, and payment systems across the UK and offshore entities (Isle of Man, Guernsey, Jersey).Key achievements:Established the function from the ground up, implementing scalable policies and systems that cut debtor days and safeguarded multi million pound revenues.Lead and develop a 14 strong team across the UK and Tunisia, embedding high performance, collaboration, and succession planning.Partner with major banks, insurers, law firms, and fintech providers to strengthen credit, payments, and recoveries.Directed litigation and enforcement, including personal and cross-company guarantees, across multiple jurisdictions.Leading the rollout of Experian BusinessIQ/DecisionIQ with Signicat KYC integration, enhancing risk assessment, onboarding, and compliance.Upgraded payment infrastructure across 100+ branches, introducing digital payment links, terminals, and automated reconciliation.Led the credit and payments integration for the customer app, enabling online payments while aligning with branch cash and cheque lodgement processes.Contributed to systems design, including credit limit workflows, reporting tools, and financial document templates.Delivered Board backed projects on digital payments, automation, and international rollouts.Led training and projects in the UK, France, Italy, the Netherlands, and Tunisia, ensuring consistency across operations.Produced group wide reporting on debtor days, aged debt, and provisions, informing the Finance Director and owners.Achieved record reductions in aged debt, improved working capital, and embedded a culture of credit discipline.

North Lindsey College

BTEC National Diploma (Level 3)

North Lindsey College

Key Skills Certificate – Information Technology (Level 3)