Credit and Collections Manager (AR & Risk Management)

PM Consulting; Cebu City; On-site; PHP 600,000 - 800,000; Full time

Job summary

PM Consulting is seeking a Credit and Collections Manager in Cebu City to lead credit risk and accounts receivable functions. This role involves setting credit policy, ensuring receivables are recovered on time, and boosting collections through effective risk management.

The ideal candidate will have a Bachelor's degree, 5–8 years of experience in finance roles, and proven leadership skills. The position is fully onsite with a Monday to Friday work schedule.

Qualifications

• 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 financial analysis and AR processes.

Responsibilities

• Lead the company's credit risk and accounts receivable functions.
• Manage the full collections cycle to ensure timely recovery of receivables.
• Build and refine credit policies and approval guidelines.

Skills

Credit evaluation

Collections management

Financial analysis

Leadership

B2B experience

Education

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

Tools

ERP systems (SAP, Oracle, Microsoft Dynamics, NetSuite)

Excel

Job description

Location: Talamban, Cebu

Work Set-up: Fully Onsite

Work Schedule: Monday–Friday, day shift

Role Summary

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.