Credit & Collections Leader – Cash Flow Optimizer

Our Clients; Cebu City; On-site; PHP 900,000 - 1,100,000; Full time

Job summary

Our Clients in Cebu City is seeking a Credit and Collections Manager to lead the company’s accounts receivable and cash flow strategy, enforce credit policies, and drive efficient collections while maintaining strong customer relationships.

The role requires a Finance/Accounting background with 3–7 years in credit and collections and at least 2 years in management; familiarity with asset-backed financing is preferred and leadership of a collection team is essential.

Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field
• 3 to 7 years of Credit and Collections experience, including minimum 2 years of managerial or people management
• Background in automotive, motorcycle, banking & finance, 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

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

Skills

Credit risk assessment

Accounts receivable management

Team leadership

Financial analysis

Negotiation

Stakeholder management

Education

Bachelor's degree in Finance/Accounting/Business Administration

Job description

Our Clients in Cebu City is seeking a Credit and Collections Manager to lead the company’s accounts receivable and cash flow strategy, enforce credit policies, and drive efficient collections while maintaining strong customer relationships.

The role requires a Finance/Accounting background with 3–7 years in credit and collections and at least 2 years in management; familiarity with asset-backed financing is preferred and leadership of a collection team is essential.