Collections & Credit Risk Specialist

AFC SME FINANCE INC; Metro Manila; On-site; PHP 300,000 - 540,000; Full time

Job summary

AFC SME FINANCE INC in Metro Manila seeks a skilled Credit and Collections Manager to oversee credit decisions and lead delinquency resolution. You will evaluate credit applications, approve terms within delegated authority, and ensure policy compliance while maintaining strong client relationships.

The role requires disciplined collection strategies, escalation when needed, and coordination with Legal and Compliance to resolve problematic accounts and legal cases.

Qualifications

• Assess credit risk and determine allowable credit limits according to policy.
• Negotiate payment arrangements and settlements while maintaining professional relationships.
• Monitor delinquent accounts and ensure adherence to agreed payment plans.
• Escalate severely overdue accounts and coordinate with legal/action third-party agencies as needed.
• Review and approve credit recommendations within delegated authority.

Responsibilities

• Negotiate payment arrangements and restructurings while maintaining professional relationships.
• Follow up on delinquent accounts and ensure compliance with payment schedules.
• Escalate severely overdue accounts and consider legal action or third-party collection.
• Oversee evaluation and approval of credit applications to ensure policy compliance and risk standards.
• Review and approve credit terms, limits, and conditions within authority.
• Supervise collections including negotiations, restructurings, and settlements.
• Monitor aging receivables and timely resolution of overdue accounts.
• Coordinate with Legal, Audit, and Compliance on problematic accounts and legal cases.

Skills

Credit risk assessment

Collection negotiations

Policy compliance

Client relationship

Negotiation

Education

Bachelor's degree in Finance or Accounting

Tools

CRM systems

Microsoft Excel

Job description

AFC SME FINANCE INC in Metro Manila seeks a skilled Credit and Collections Manager to oversee credit decisions and lead delinquency resolution. You will evaluate credit applications, approve terms within delegated authority, and ensure policy compliance while maintaining strong client relationships.

The role requires disciplined collection strategies, escalation when needed, and coordination with Legal and Compliance to resolve problematic accounts and legal cases.