Credit and Collections Manager (AR & Risk Management)

Location: Talamban, Cebu

Work Set-up: Fully Onsite

Work Schedule: Monday–Friday, day shift

Role Summary:

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