Credit Risk and Collections Manager (Cebu)

hrtx; Cebu City; On-site; PHP 800,000 - 1,200,000; Full time

Job summary

HRTX is seeking a Credit and Collections Manager responsible for leading the company's credit and collections function. This role entails ensuring strong cash flow, minimizing delinquencies, and safeguarding profitability through strategic oversight of accounts receivable and driving collection efficiency.

The ideal candidate will have a bachelor's degree in Finance or a related field, coupled with 5-7 years of relevant experience. Preferred backgrounds include automotive or asset-backed financing industries, with strong leadership and management capabilities.

Qualifications

• 5-7 years of experience in Credit and Collections, including at least 2 years in a managerial role.
• Background in asset-backed financing industries highly preferred.
• Experience in handling delinquent accounts and implementing collection strategies.

Responsibilities

• Develop and improve credit and collection policies.
• Oversee accounts receivable and ensure timely collections.
• Manage delinquent accounts, including escalation and repossession.
• Lead and manage a team of collection agents.
• Monitor collection performance and provide insights.

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

Education

Bachelor's degree in Finance, Accounting, Business Administration, or a related field

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