Credit Risk & Collections Manager

HRTx Inc; Cebu City; On-site; PHP 1,200,000 - 2,000,000; Full time

Job summary

HRTx Inc. in Cebu City, Philippines, seeks a Credit Risk and Collections Manager to oversee the credit and collections operations, drive cash flow health, and lead a large team of managers and advisors. You will develop strategies to recover delinquent accounts and ensure compliance with policies and laws.

Your role requires strong leadership, financial analysis, and collaboration with legal and compliance to minimize losses and improve collection efficiency.

Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, or related field.
• 5–7 years of experience in credit and collections, with managerial experience.
• Strong leadership and team management skills.
• Experience handling delinquent accounts and implementing collection strategies.
• Knowledge of credit risk assessment and financial analysis.
• Proficiency in Microsoft Excel and other reporting tools.
• Strong communication, negotiation, and problem-solving skills.

Responsibilities

• Develop, implement, and maintain credit and collection policies and procedures
• Monitor accounts receivable and ensure timely collection of payments
• Manage delinquent accounts, determine appropriate recovery actions, and minimize financial losses
• Lead and supervise a large credit and collections team, including managers and advisors
• Coordinate with legal, compliance, and other internal teams for account resolution
• Track team performance and prepare reports for senior management
• Ensure accuracy and completeness of account records
• Maintain compliance with company policies, financial regulations, and legal standards
• Identify opportunities to improve processes, increase efficiency, and reduce defaults

Skills

Credit risk assessment

Collection strategy

Data analysis

Customer relationship management

Leadership

Education

Bachelor's degree in Finance/Accounting/Business Admin

Tools

Excel

Reporting tools

Job description

The Credit Risk and Collection Manager is responsible for overseeing the company's credit and collections operations to ensure healthy cash flow, reduce financial risks, and maintain strong client relationships. The role involves leading a large team, managing delinquent accounts, developing strategies to improve collection efficiency, and ensuring compliance with internal policies and legal requirements.

Key Responsibilities:

• Develop, implement, and maintain credit and collection policies and procedures
• Monitor accounts receivable and ensure timely collection of payments
• Manage delinquent accounts, determine appropriate recovery actions, and minimize financial losses
• Lead and supervise a large credit and collections team, including managers and advisors
• Coordinate with legal, compliance, and other internal teams for account resolution
• Track team performance and prepare reports for senior management
• Ensure accuracy and completeness of account records
• Maintain compliance with company policies, financial regulations, and legal standards
• Identify opportunities to improve processes, increase efficiency, and reduce defaults

Qualifications:

• Bachelor's degree in Finance, Accounting, Business Administration, or related field
• 5–7 years of experience in credit and collections, with managerial experience
• Strong leadership and team management skills
• Experience handling delinquent accounts and implementing collection strategies
• Knowledge of credit risk assessment and financial analysis
• Proficiency in Microsoft Excel and other reporting tools
• Strong communication, negotiation, and problem-solving skills

Key Skills:

• Credit Risk Assessment
• Collection Strategy & Recovery
• Data Analysis & Reporting
• Customer Relationship Management
• Leadership and Decision-Making