Credit and Collections Manager (AR & Risk Management)

The Credit and Collections Manager will lead the company's credit risk and accounts receivable functions — setting credit policy, limiting financial exposure, boosting collections, and ensuring receivables are recovered on time.

Key Responsibilities:

Credit Risk Management

• Build, implement, and refine credit policies, procedures, and approval guidelines
• Assess customer creditworthiness via financial analysis, credit reports, payment history, and business performance
• Approve credit limits, payment terms, and extensions within authorized levels

Accounts Receivable & Collections

• Manage the full collections cycle to ensure timely recovery of receivables
• Develop collection strategies that reduce overdue accounts and improve cash flow
• Handle escalated/high-risk accounts, coordinating legal action or collection agencies as needed

Cash Flow Optimization

• Drive initiatives to improve collections and lower Days Sales Outstanding (DSO)
• Track collection trends to identify ways to accelerate cash inflow
• Recommend strategies to minimize bad debts, write-offs, and delinquencies

Customer Account Management

• Maintain strong client relationships while enforcing payment terms
• Resolve billing disputes, discrepancies, and reconciliation issues promptly
• Keep customers informed on outstanding balances and payment expectations

Leadership & Team Management

• Lead, mentor, and develop the credit and collections team
• Conduct coaching, performance evaluations, and training
• Foster accountability, collaboration, and continuous improvement

Financial Reporting & Analysis

• Prepare reports on AR aging, collection performance, bad debt exposure, and key metrics
• Analyze payment trends and portfolio performance to support decision-making
• Monitor departmental KPIs and recommend improvements

Process Improvement & Compliance

• Identify ways to enhance credit evaluation and collections processes
• Implement best practices and automation to boost efficiency
• Ensure compliance with company policy and applicable debt collection laws

Qualifications:

• Bachelor's degree in Accounting, Finance, Business Administration, Economics, or related field
• 5–8 years of experience in Credit and Collections, AR, Credit Risk Management, or related finance roles
• 2–3 years in a managerial/supervisory capacity
• Strong knowledge of credit evaluation, collections, financial analysis, and AR processes
• B2B/corporate portfolio experience strongly preferred
• Proficiency in ERP systems (SAP, Oracle, Microsoft Dynamics, NetSuite, etc.) and Excel
• Understanding of accounting principles, cash flow management, and financial reporting
• Familiarity with credit laws, collection regulations, and risk management practices

Location: Cebu

Work Set-up: Fully Onsite

Work Schedule: Monday–Friday, dayshift