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Open nowFirst seen 5 days ago

Credit and Collections Manager (AR & Risk Management)

HRTX1,659 open roles

Where
Cebu City, Cebu, Philippines
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Your applicationOpen nowCredit and Collections Manager (AR & Risk Management)HRTX · Cebu City, Cebu, Philippines
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The clock on this job

Early applications get read.

12.3% of postings close within 7 days. Measured by our own scanner across the market.

Share of postings closed within
  1. 2.1%1 day
  2. 4.5%3 days
  3. 12.3%7 days
  4. 19.7%14 days
  5. 35.6%30 days
  6. 58.0%60 days
This job: first seen 5 days ago

The posting

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

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