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

Vserve Ebusiness Solution; Pasig; On-site; PHP 335,000 - 670,000; Full time

Job summary

Vserve Ebusiness Solution is seeking a Credit & Collections professional in Metro Manila to manage credit risk, evaluate customer creditworthiness, and drive timely collections. You will review financials, use D&B reports, and coordinate with Sales and Operations to release orders and minimize exposure.

You will also handle AR reconciliations, resolve invoice disputes, and leverage SAP and advanced Excel skills to generate aging analyses and drive credit decisions.

Qualifications

• Bachelor's degree in commerce, finance, accounting, business administration, or related discipline.
• 2–5 years of experience in Credit & Collections, Accounts Receivable, or O2C processes.
• Experience supporting U.S./North American customers is required.
• Proven experience in credit analysis and assessing customer creditworthiness.
• Hands-on experience using credit rating tools like Dun & Bradstreet reports for credit evaluations and credit limit recommendations.
• Experience managing credit holds and order releases based 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 with SAP, preferably within Finance or Accounts Receivable modules.
• Strong proficiency in Microsoft Excel, including Pivot Tables, VLOOKUP/XLOOKUP, and data analysis.

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 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

Skills

Credit analysis

D&B credit evaluations

Accounts Receivable

O2C processes

Customer creditworthiness

Credit holds & releases

Collections

Invoice disputes

SAP

Excel (Pivot, VLOOKUP/XLOOKUP)

Education

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

Tools

SAP

D&B reports

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 supporting U.S./North American customers is required

• Proven experience in credit analysis and assessing customer creditworthiness

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

• Experience managing credit holds and order releases based 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 with SAP, preferably within Finance or Accounts Receivable modules

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