Credit and Collections Manager

PM Consulting; Cebu City; On-site; PHP 900,000 - 1,500,000; Full time

Job summary

PM Consulting in Cebu is seeking a Credit and Collections Manager to lead the company’s credit and collections function, safeguarding cash flow and profitability. You will oversee accounts receivable, implement credit policies, and drive collection efficiency in an asset-backed financing context.

This role requires a Bachelor's in Finance/Accounting or related field, 5–7 years in credit and collections with at least 2 years in people management, and strong leadership to mentor a team of

Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field.
• 5–7 years of experience in Credit and Collections, including minimum 2 years of managerial or people management.
• Background in automotive, motorcycle, or similar asset-backed financing industries is highly preferred.
• Strong background in accounts receivable, credit risk, and financing operations.
• Experience in handling delinquent accounts, implementing collection strategies, and managing repossessions.

Responsibilities

• Develop, implement, and continuously improve credit and collection policies, systems, and procedures.
• Oversee accounts receivable and ensure timely collections, minimizing payment delays.
• Drive collection efficiency by enforcing structured follow-ups, penalties (e.g., interest on late payments), and recovery strategies.
• Manage delinquent accounts, including escalation, restructuring, and repossession where necessary.
• Lead, mentor, and manage a team of collection agents and credit advisors, ensuring performance targets are met.

Skills

Credit risk management

Accounts receivable

Credit policy enforcement

Leadership

Education

Bachelor's degree in Finance/Accounting/Business Administration

Job description

About the job Credit and Collections Manager

Location: Cebu

Work setup: Full onsite

Schedule: Monday to Friday, Dayshift

Job Summary

The Credit and Collections Manager is responsible for leading the company's credit and collections function to ensure strong cash flow, minimize delinquencies, and safeguard profitability. This role focuses on strategic oversight of accounts receivable, driving collection efficiency, enforcing credit policies, and managing recovery efforts—including delinquency management and asset repossession—while maintaining balanced customer relationships.

Qualifications

Bachelor's degree in Finance, Accounting, Business Administration, or a related field

At least 5–7 years of experience in Credit and Collections, including minimum 2 years of managerial or people management experience

Background in automotive, motorcycle, or similar asset-backed financing industries is highly preferred

Strong background in accounts receivable, credit risk, and financing operations

Experience in handling delinquent accounts, implementing collection strategies, and managing repossessions

Strong leadership and team management capabilities

Key Responsibilities

Develop, implement, and continuously improve credit and collection policies, systems, and procedures

Oversee accounts receivable and ensure timely collections, minimizing payment delays

• Drive collection efficiency by enforcing structured follow-ups, penalties (e.g., interest on late payments), and recovery strategies

Manage delinquent accounts, including escalation, restructuring, and repossession where necessary

• Lead, mentor, and manage a team of collection agents and credit advisors, ensuring performance targets are met
• Monitor and analyze collection performance, default rates, and aging reports; provide actionable insights to management
• Partner closely with Sales, Operations, and Legal teams to resolve complex accounts and support financing-related transactions

Conduct regular audits to ensure accuracy, completeness, and integrity of account records

Ensure compliance with internal policies, regulatory requirements, and credit risk standards

Drive strategic initiatives to improve credit risk management and overall portfolio health

Key Skills

Credit Risk Assessment & Portfolio Management

Collection Strategy, Recovery & Repossession

Financial Analysis & Reporting

Accounts Receivable Management

Stakeholder Management & Cross-Functional Collaboration

Leadership, Decision-Making & Team Development

Negotiation, Problem-Solving & Customer Handling