Credit Manager

Ferrero International S.A.; Sydney; On-site; AUD 120,000 - 170,000; Full time

Job summary

Ferrero Australia is seeking an experienced Credit Manager to oversee end-to-end credit risk, accounts receivable, and collections across ANZ. You will partner with multiple teams to ensure robust financial controls and optimised working capital through effective dispute resolution, data governance and process improvements.

The role requires strong knowledge of credit risk, cash flow optimisation, and ERP systems, with leadership responsibilities including coaching a direct report and driving

Qualifications

• University degree in Finance, Accounting, or related field.
• Strong experience in Accounts Receivable, Credit Management, Order-to-Cash, or Finance Operations within an FMCG commercial environment.
• Hands-on experience managing collections, credit assessments, customer deductions, trade spend, rebates, disputes, and customer account administration.
• Experience performing month-end activities, reconciliations, reporting, and financial controls within an ERP environment.
• Strong understanding of credit risk management, working capital, and cash flow optimization.

Responsibilities

• Manage customer credit risk and accounts receivable to support growth while protecting assets.
• Assess creditworthiness and review limits, performance, and exposure; mitigate risk.
• Lead collections and customer account management to improve cash flow and working capital.
• Monitor aged receivables and implement strategies to improve DSO and collections.
• Oversee SAP Trade Management processes and maintain accurate customer master data.

Skills

Credit management

Accounts receivable

Order-to-Cash

Stakeholder management

Analytical skills

Process improvement

Advanced Excel

Education

University degree in Finance, Accounting, or related field

Tools

SAP

Trade Management

Job description

About the Role:

The Credit Manager role is responsible for the end-to-end management of customer credit risk, accounts receivable, collections, customer master data governance, SAP Trade Management (TM), customer deductions, returns and refusals management, customer contract administration, cash flow optimisation and working capital performance across Australia and New Zealand. Reporting to the Finance Administration Manager ANZ, the role partners closely with various departments to ensure effective Order-to-Cash (OTC) operations, strong financial controls, timely dispute resolution, data governance and continuous process improvement. This position also supports finance transformation initiatives through automation, process optimization, and analytics.

Main Responsibilities:

Manage customer credit risk and accounts receivable activities to support business growth while protecting company assetsAssess customer creditworthiness, review credit limits, payment performance, and financial exposure, and recommend actions to mitigate riskMonitor credit utilization, insurance coverage, and customer exposures, escalating significant risks as requiredSupport seasonal trading activities and business opportunities through appropriate credit reviews and temporary credit limit adjustmentsLead collections and customer account management activities to improve cash flow, reduce overdue debt, and optimize working capital performanceMonitor aged receivables, collection effectiveness, and payment trends, implementing strategies to improve DSO and collection performanceResolve payment issues and collection challenges in partnership with customers and internal stakeholdersSupport cash flow forecasting, reporting, bad debt provisioning, and working capital management activitiesManage customer deductions, claims, rebates, settlements, returns, and disputes, ensuring timely resolution and accurate financial treatmentValidate and recover non-compliant deductions while minimizing financial risk and aged claimsPartner with internal teams to improve dispute resolution processes and reduce recurring customer claimsOversee SAP Trade Management processes, including trade agreements, promotional funding, rebates, settlements, and related reconciliationsEnsure customer master data, trading agreements, and commercial terms are maintained accurately and in compliance with company policiesMaintain strong governance, controls, and data integrity across Order-to-Cash processesAct as the key Finance partner for credit management, collections, trade settlements, customer disputes, and related financial processesCollaborate closely with stakeholders to support business objectives and resolve customer issuesFacilitate regular reviews of credit risk, overdue balances, deductions, and collection performance, driving accountability for agreed actionsPrepare and present credit, collections, and working capital performance reports, including key risks and recommended actionsSupport audit activities and ensure compliance with internal policies, accounting standards, and control requirementsDrive process improvements, automation initiatives, system enhancements, and finance transformation projects to improve efficiency and effectivenessLead, coach, and develop the direct report, fostering a culture of accountability, collaboration, and continuous improvement.

About You:

University degree in Finance, Accounting, Business or related fieldStrong experience in Accounts Receivable, Credit Management, Order-to-Cash, or Finance Operations within an FMCG commercial environmentDemonstrated hands-on experience managing collections, credit assessments, customer deductions, trade spend, rebates, disputes, and customer account administrationProven experience performing and overseeing month-end activities, reconciliations, reporting, and financial controls within an ERP environmentStrong understanding of credit risk management, working capital, and cash flow optimizationSolid commercial acumen with the ability to balance business growth and risk management, with excellent stakeholder management and influencing skillsAttention to detail, problem-solving ability, and continuous improvement mindsetProactive, solutions-oriented, and comfortable working in a fast-paced environmentAdvanced Excel skills, experience using SAP, including Accounts Receivable, Credit Management, Customer Master Data, and Trade Management processesExperience leading process improvement, automation, or finance transformation initiatives with measurable business outcomesPrevious people management experience, including coaching, performance development, and workload management.

What We Offer:

Careers with caring built in - discover our benefits here.

About Ferrero:

Ferrero began its journey in the small town of Alba in Piedmont, Italy, in 1946. Today, it is one of the world's largest sweet-packaged food companies, with many iconic brands sold in countries all over the world. Find out more about Ferrero at ferrero.com.

DE&I at Ferrero:

Ferrero is committed to building a diverse and inclusive culture in which all employees feel welcomed and appreciated and have the same opportunities. We believe all our people are equally talented in their own way. In nurturing the curiosity and natural abilities of our employees, we provide them, generation after generation, the means to succeed personally and professionally, enabling them to craft their journey at Ferrero. The diversity of our talents is what makes our work environment multicultural, innovative, and highly rewarding.Find out more here.