Joan M. Knight is a credit management consultant at SOA People. With more than 30 years of experience in the field of credit management, she has built up expertise at various national and international companies. She was a board member of the Dutch Association for Credit Management (VVCM) and lectured on international trade and credit risk. She now uses this expertise as Business Consultant & Service Manager for Ready4CreditManagement, the SAP-certified credit management solution from SOA People.