Zanette Rosekelly (formerly Phillips) is an entrepreneur, business manager, qualified trainer, speaker, and author with a specific focus on debtor management and timely payment strategies for small business. She is acknowledged for her proficiency in cash flow optimisation, cost control, budgeting, and effective debt collection methods that strengthen financial stability while maintaining strong customer relationships.

With extensive experience across more than 20 industries, Zanette has worked closely with business owners to address the underlying causes of overdue accounts. She has regularly observed that unclear terms of trade, variable credit policies, and reactive follow-up processes can erode profitability and place unnecessary pressure on cash flow. Her work focuses on implementing structured, proactive systems that prevent payment issues before they arise — replacing uncertainty with clarity, discipline, and confident communication.

Zanette is also the creator of the bestselling online course ‘Effective Debt Collection Strategies’ with the online learning platform Udemy, where she has guided thousands of students through the practical realities of managing a debtor’s ledger. Her teaching style is clear, organised, and based on practical examples and case studies, enabling students to quickly apply what they have learned. With a course rating of 4.6 ⭐out of 5, the course attracts students worldwide from over 80 different countries.

Zanette is dedicated to addressing prevalent misconceptions regarding credit and customer behaviour. Her work continues to support businesses in reducing overdue accounts, minimising write-offs, and building sustainable, cash-positive operations founded on sound systems and professional standards.