Credit Risk & AR Specialist (US Accounts)

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

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.