Credit and Collections Manager (AR & Risk Management)

HRTx Inc; Cebu City; On-site; PHP 1,200,000 - 2,000,000; Full time

Job summary

HRTx Inc. is seeking a Credit and Collections Manager to lead credit risk and accounts receivable functions from Cebu. The role requires developing credit policy, approving limits, and driving timely collections while strengthening customer relationships.

You will manage a team onsite, report on AR aging, and implement process improvements to reduce delinquencies. The ideal candidate has 5–8 years in Credit/Collections with 2–3 years in leadership, and strong ERP and Excel proficiency.

Qualifications

• Bachelor’s degree in Accounting, Finance, Business Administration, Economics, or related field (required).
• 5–8 years in Credit/Collections, AR or related roles, with 2–3 years in management.
• Experience with ERP systems and financial reporting is essential.

Responsibilities

• Lead credit risk management, policy development, and approval guidelines.
• Oversee AR and collections to ensure timely receivables recovery.
• Develop collection strategies to reduce overdue accounts and improve cash flow.
• Manage full collections cycle and coordinate with agencies as needed.
• Drive cash flow optimization and monitor DSO trends.
• Maintain strong client relationships while enforcing payment terms.
• Coach and develop the credit and collections team.

Skills

Credit risk management

AR management

Collections

Leadership

Financial analysis

ERP familiarity

Excel

Communication

Education

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

Tools

SAP

Oracle

Microsoft Dynamics

NetSuite

Excel

Job description

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

Location

Cebu

Work Set-up

Fully Onsite

Work Schedule

Monday–Friday, dayshift