Credit Specialist

TIME dotCom Berhad; Selangor; On-site; MYR 72,000 - 100,000; Full time

Job summary

TIME dotCom Berhad is seeking a Credit Specialist to oversee collections for assigned accounts, analyze payment behavior, and develop strategies to improve DSO.

You will work with sales and operations to resolve billing issues, ensure policy compliance, and drive continuous process improvements while delivering strong customer service.

Qualifications

• Bachelor's degree in Accounting/Finance or equivalent professional qualifications.
• 3 years’ experience in credit, collections or A/R management in B2B environment.
• Proficient in credit risk, collections and data-driven analysis.

Responsibilities

• Oversee collection activities for assigned accounts and analyze payment behavior to develop collection strategies.
• Collaborate with sales and operations to resolve billing and credit issues and drive timely collections.
• Ensure compliance with credit policies, risk appetite, and regulatory requirements.
• Analyse ageing, billing and statements to plan action.
• Identify and implement process improvements to enhance productivity and controls.
• Collaborate with cross-functional stakeholders to implement process changes and adoption.
• Prepare reporting and analysis of customer accounts and collect audit-ready documentation.
• Support audits with accurate documentation and prompt responses.

Skills

Credit risk

Collections

Negotiation

Process improvement

Data analysis

Stakeholder management

Attention to detail

Under pressure

Independent work

MS Office

Education

Accounting/Finance degree or professional qualifications (CIMA/ACCA/ICAEW/CPA)

Tools

SAP

Job description

The position reports to the Head of Credit & Analytics, Wholesale Business.

Job Overview:

The Credit Specialist is responsible to oversee collection activities for assigned customer accounts and continuous process improvement initiatives to drive Internal efficiency and / or to enhance customer experience.

The role requires strong analytical capabilities to assess credit exposures, identify risk trends, provide actionable insights, and support data-driven decision making to enhance collection performance, operational efficiency, controls, and customer experience. The role also partners closely with cross-functional stakeholders to improve processes, compliance with credit governance and policies, resolve complex customer and billing issues.

We are seeking a proactive and analytical individual who thrives in a fast-paced environment, enjoys solving complex business and operational challenges through data and critical thinking, and has a strong passion for continuous improvement, stakeholder collaboration, and customer service excellence.

• Manage and oversee collection activities for assigned customer accounts, in-depth analysis of customer payment behaviour, commercial arrangements, and dispute drivers to develop effective collection and resolution strategies.
• Collaborate closely with customers, sales, and operations teams to resolve billing and credit issues, drive timely collections, and achieve DSO performance targets.
• Compliance with credit policies and procedures to ensure alignment with business objectives, risk appetite, regulatory requirements, and industry best practices.
• Analyse, plan and execute action plan based on monthly ageing report, billing reports, statement of accounts, weekly collection report and other reports at their disposal.
• Identify, propose, and implement process improvement initiatives to enhance productivity, cost efficiency, risk controls, and customer satisfaction within Credit Management team.
• Collaborate with cross-functional stakeholders to implement process changes and ensure successful adoption.
• Reporting / analysis pertaining to customer accounts (i.e. summary of aging with type of issues of entire customer account, chronology of events / communication, ad-hoc analysis pertaining to customer account as and when required)
• Support audits by providing accurate documentation and responding promptly to audit requests.

To be considered, you’ll need:

• Education: Degree in Accounting/ Finance or equivalent professional qualifications of CIMA, ACCA, ICAEW, or CPA.
• Experience: Ideally with 3 years’ experience in credit, collection or accounts receivable management in a business-to-business environment.
• Skills:
  • Proficient credit risk and collections knowledge.
  • Good customer service orientation with negotiation skills.
  • Process improvement mindset with hands-on execution capability.
  • Data-driven analysis and problem-solving skills.
  • Stakeholder management and cross-functional collaboration.
  • High attention to detail and discipline.
  • Ability to balance operational delivery with transformation initiatives.
  • Ability to work under pressure and meet deadlines.
  • Able to work independently with minimum supervision.
  • Microsoft office skills (MS Excel, Word, and PowerPoint) are required.
  • Knowledge and experience in SAP are preferred.