Credit Officer

Unilab, Inc.; Mandaluyong; On-site; PHP 600,000 - 900,000; Full time

Job summary

Unilab, Inc. is seeking an experienced Credit Operations Lead to manage AR and credit processes across multiple channels in Metro Manila. You will guide collections, credit approvals, and risk controls while partnering with Sales and units to optimize cash flow and portfolio performance.

The role leads a team of Credit Specialists, drives process improvements, and supports budgeting and strategic initiatives to strengthen credit operations and business results.

Qualifications

• Bachelor's Degree in Accountancy, Finance, Business Administration, or any related business course.
• 3–6 years of experience in Credit, Collections, Accounts Receivable, or Risk Management.
• Strong background in Credit and Risk Management.
• Experience in managing customer accounts, credit exposure, collections, and account analysis.
• Strong analytical, problem-solving, and stakeholder management skills.

Responsibilities

• Lead Accounts Receivable (AR) and credit operations across multiple customer channels, ensuring healthy AR aging, strong collection performance, and effective credit risk management.
• Oversee order releases, customer account reviews, credit approvals, claims processing, and compliance with credit policies and controls.
• Analyze AR trends, identify risks and collection issues, and recommend solutions to improve cash flow and portfolio performance.
• Build strong partnerships with Sales, Business Units, customers, and other stakeholders to address AR concerns and drive business objectives.
• Prepare portfolio reviews, management reports, and credit recommendations to support strategic decision-making.
• Drive process improvement initiatives, operational efficiencies, and adherence to credit governance standards.
• Lead, coach, and develop a team of Credit Specialists to achieve business goals and deliver excellent service.
• Support budgeting, special projects, and other initiatives that strengthen credit operations and business performance.

Skills

Credit management

Accounts receivable

Risk management

Stakeholder management

Team leadership

Education

Bachelor's degree in Accountancy, Finance, or related business field

Job description

Job Description:

Role Overview

• Lead Accounts Receivable (AR) and credit operations across multiple customer channels, ensuring healthy AR aging, strong collection performance, and effective credit risk management.


• Oversee order releases, customer account reviews, credit approvals, claims processing, and compliance with credit policies and controls.


• Analyze AR trends, identify risks and collection issues, and recommend solutions to improve cash flow and portfolio performance.


• Build strong partnerships with Sales, Business Units, customers, and other stakeholders to address AR concerns and drive business objectives.


• Prepare portfolio reviews, management reports, and credit recommendations to support strategic decision-making.


• Drive process improvement initiatives, operational efficiencies, and adherence to credit governance standards.


• Lead, coach, and develop a team of Credit Specialists to achieve business goals and deliver excellent service.


• Support budgeting, special projects, and other initiatives that strengthen credit operations and business performance.

Qualifications

• Bachelor's Degree in Accountancy, Finance, Business Administration, or any related business course


• 3-6 years of experience in Credit, Collections, Accounts Receivable, or Risk Management


• Strong background in Credit and Risk Management


• Experience in managing customer accounts, credit exposure, collections, and account analysis


• Strong analytical, problem-solving, and stakeholder management skills