Credit Risk Analyst - Order-2-Cash (O2C)

Vserve Ebusiness Inc.; Metro Manila; On-site; PHP 350,000 - 550,000; Full time

Job summary

Vserve Ebusiness Inc. is seeking a Credit & Collections Analyst to assess creditworthiness, review customer financials, and determine credit limits for US/NA accounts. You will monitor exposure, collect on invoices, and resolve disputes while maintaining strong customer relationships.

The role requires 2–5 years in O2C/AR, experience with D&B reports, SAP AR, and advanced Excel skills. A commerce/finance degree is preferred.

Qualifications

• Bachelor's degree in commerce, finance, accounting, or related discipline.
• 2–5 years in Credit & Collections, Accounts Receivable, or O2C processes.
• Experience supporting U.S./North American customers.
• Proven credit analysis and assessing customer creditworthiness.
• Hands-on experience using D&B reports for credit evaluations and limit recommendations.
• Experience managing credit holds and order releases based on exposure.
• Strong collections experience and delinquent accounts management.
• Experience handling invoice disputes and payment discrepancies.
• Hands-on SAP experience in Finance or AR modules.
• Strong Excel skills with PivotTables and VLOOKUP/XLOOKUP.

Responsibilities

• Perform credit analysis for new and existing customer accounts by reviewing financial information, payment history, and credit reports.
• Conduct credit evaluations using Dun & Bradstreet (D&B) reports and recommend credit limits.
• Monitor customer credit exposure, outstanding balances, and payment trends to identify high-risk accounts.
• Review customer accounts for credit hold status and make timely decisions on releases based on history and policies.
• Coordinate with Sales, Customer Service, and Operations to facilitate timely order releases while managing credit risk.
• Manage collections for assigned portfolio by following up on invoices via phone and email.
• Build and maintain strong customer relationships to ensure timely collections and service quality.
• Investigate and resolve invoice-related disputes with Sales, Customer Service, Billing, and Operations.
• Reconcile customer accounts and resolve payment discrepancies to ensure accurate AR records.
• Prepare and analyze AR aging reports and recommend collection strategies.

Skills

Credit Analysis

O2C

D&B Review

Collections

SAP

AR Reconciliation

Dispute Resolution

Reporting

Excel Analytics

Data Analysis

Education

Bachelor's degree in commerce, Finance, Accounting, Business Administration, or related discipline

Tools

D&B Reports

Excel

Job description

Key responsibilities

• Perform credit analysis for new and existing customer accounts by reviewing financial information, payment history, and credit reports

• Conduct credit evaluations using Dun & Bradstreet (D&B) reports and recommend appropriate credit limits based on company policies

• Monitor customer credit exposure, outstanding balances, and payment trends to identify high-risk accounts

• Review customer accounts for credit hold status and make timely decisions on credit hold releases based on payment history, credit limits, risk assessment, and company policies

• Coordinate with Sales, Customer Service, and Operations teams to facilitate timely order releases while effectively managing credit risk

• Manage collections for an assigned portfolio of customer accounts by following up on outstanding invoices through phone calls and email communication

• Build and maintain strong customer relationships to ensure timely collections while providing excellent customer service

• Investigate and resolve invoice-related disputes by partnering with Sales, Customer Service, Billing, and Operations teams

• Reconcile customer accounts and resolve payment discrepancies to ensure accurate Accounts Receivable records

• Prepare and analyze Accounts Receivable aging reports and recommend appropriate collection strategies

About you

• Bachelor's degree in commerce, Finance, Accounting, Business Administration, or related discipline.

• 2–5 years of experience in Credit & Collections, Accounts Receivable, or Order-to-Cash (O2C) processes.

• Experience supportingU.S./North American customersis required.

• Proven experience incredit analysisand assessing customer creditworthiness.

• Hands-on experience using credit rating tools likeDun & Bradstreet(D&B)reports for credit evaluations and credit limit recommendations.

• Experience managingcredit holds and order releasesbased on customer credit exposure and established credit policies.

• Strong collection experience with the ability to manage delinquent customer accounts and improve collection performance.

• Experience handling customer disputes related to invoices, pricing, deductions, and payment discrepancies.

• Hands-on experience withSAP, preferably within Finance or Accounts Receivable modules.

• Good understanding of Accounts Receivable, credit risk management, credit policies, and collection of best practices.

• Strong proficiency in Microsoft Excel, including Pivot Tables, VLOOKUP/XLOOKUP, and data analysis.

Preferred Qualifications

• Experience working in a manufacturing, industrial distribution, or B2B environment.

• Knowledge of Order-to-Cash (O2C) processes and key Accounts Receivable metrics such as Aging Reports and Days Sales Outstanding (DSO).

• Experience working in a shared services or global business services environment.

Key Competencies

• Credit Analysis

• Credit Hold & Release Management

• Dun & Bradstreet (D&B) Credit Review

• Collections & Accounts Receivable Management

• SAP

• Customer Account Reconciliation

• Dispute Resolution

• Order-to-Cash (O2C)

• Financial Analysis

• Negotiation & Relationship Management

• Reporting & Documentation

• Analytical Thinking and Problem Solving