Credit Risk and Collections Manager (Cebu)

HRTx Inc; Cebu City; On-site; PHP 700,000 - 1,100,000; Full time

Job summary

HRTx Inc in Cebu City (Talamban/Mandaue) is seeking a Credit and Collections Manager to lead the AR and collections function, drive cash flow, and enforce credit policies. This full-time, onsite role requires strategic oversight of receivables and recovery efforts.

You will manage a team of collection agents, collaborate with Sales, Operations, and Legal, and ensure compliance while improving portfolio health in a dynamic financing environment.

Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, or related field.
• 5–7 years in Credit and Collections with at least 2 years in management.
• Automotive/motorcycle asset-backed financing experience preferred.
• Strong background in accounts receivable, credit risk, and financing operations.
• Experience handling delinquent accounts, collections strategies, and repossessions.
• Proven leadership and team management capabilities.

Responsibilities

• Develop and improve credit and collection policies, systems, and procedures.
• Oversee accounts receivable and ensure timely collections.
• Drive collection efficiency with structured follow-ups and penalties.
• Manage delinquent accounts, including restructuring and repossession if needed.
• Lead and mentor a team of collection agents and credit advisors.
• Monitor collection performance, default rates, and aging reports.
• Collaborate with Sales, Operations, and Legal to resolve complex accounts.
• Audit account records for accuracy and integrity.
• Ensure compliance with internal policies and regulatory requirements.
• Drive strategic initiatives to improve credit risk management.

Skills

Credit Risk

AR Management

Collections Strategy

Team Leadership

Negotiation

Stakeholder Mgmt

Financial Analysis

Education

Bachelor's degree in Finance/Accounting

Job description

Location: Talamban / Mandaue City

Work setup: Full onsite

Schedule: Monday to Friday, Dayshift

Job Summary

The Credit and Collections Manager is responsible for leading the company's credit and collections function to ensure strong cash flow, minimize delinquencies, and safeguard profitability. This role focuses on strategic oversight of accounts receivable, driving collection efficiency, enforcing credit policies, and managing recovery efforts—including delinquency management and asset repossession—while maintaining balanced customer relationships.

Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field
• At least 5–7 years of experience in Credit and Collections, including minimum 2 years of managerial or people management experience
• Background in automotive, motorcycle, 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

Key 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

Key Skills

• Credit Risk Assessment & Portfolio Management
• Collection Strategy, Recovery & Repossession
• Financial Analysis & Reporting
• Accounts Receivable Management
• Stakeholder Management & Cross-Functional Collaboration
• Leadership, Decision-Making & Team Development
• Negotiation, Problem-Solving & Customer Handling