Finance Credit Risk Manager

Private Advertiser; Cebu City; On-site; PHP 900,000 - 1,500,000; Full time

Job summary

Private Advertiser in Cebu City is seeking a seasoned Credit Risk Manager to oversee day-to-day financial operations related to credit risk management within the Knowledge Center, aimed at minimizing bad debt across entities. The role requires deep knowledge of credit risk principles, strong analytics, and the ability to implement effective risk strategies.

You will lead a regional team of Credit Risk Analysts, collaborate with Branch Managers, Area Controllers, Sales, and Finance, and

Qualifications

• Minimum 5 years as a credit risk manager.
• Deep understanding of end-to-end O2C processes.
• Experience leading cross-functional teams across regions.
• Strong analytical and quantitative skills.

Responsibilities

• Strategic credit oversight and risk mitigation.
• Coordinate with insurance providers and regional branches.
• Perform credit evaluations and establish limits/terms.
• Collaborate with sales, operations and finance to align credit policies.
• Monitor credit exposure and prepare management reports.

Skills

Credit risk management

Team leadership

Financial analysis

Stakeholder management

Communication skills

Education

Bachelor's or Master's in Business Administration, Accounting, Finance, Economics or related field

Tools

ERP systems

Microsoft Office

Job description

Work arrangement: Onsite(probationary period – 6months;hybrid set-up upon regularization(either once/twice a week wfh)

Work schedule: Dayshift/Midshift (depending on business requirements)

Office Address: Brgy. Camputhaw, One Montage Building, Cebu City

Role

You will oversee the day-to-day financial operations related to credit risk management within the Knowledge Center, with a primary focus on minimizing bad debt across assigned entities. This role requires a deep understanding of credit risk management principles, strong analytical skills, and the ability to implement effective risk management strategies. Together with your team you will perform credit-granting decisions in line with internal competencies delegated to the Knowledge Center.

Your Responsibilities

Strategic Credit Oversight

• Support the Accounts Receivables Manager in achieving objectives outlined in the Compliance Plan and Risk Management Plan.
• Develop and implement credit risk strategies aligned with company policies and financial goals.
• Monitor and assess credit exposure across assigned portfolios, ensuring proactive risk mitigation.

Customer Credit Evaluation

• Conduct in-depth financial reviews with customers, including analysis of financial statements and creditworthiness assessments.
• Evaluate and recommend credit limits, terms, and conditions based on risk profiles and business potential.

Team Leadership and Collaboration

• Lead and mentor a team of Credit Risk Analysts supporting regional entities, ensuring high performance and continuous development.
• Foster a culture of enthusiasm, energy, and expertise within the credit risk team.
• Collaborate closely with Branch Managers, Area Controllers, and Sales teams to address and elevate credit concerns effectively.

Credit Insurance and Risk Mitigation

• Coordinate with credit insurance providers to secure and manage credit coverage for customer accounts.
• Serve as backup support for credit insurance coordination across all Asian entities, ensuring continuity and compliance.

Financial Analysis and Reporting

• Regularly develop and analyze credit reports and customer financial statements to identify trends, risks, and opportunities.
• Review and validate business cases submitted by KN Asian companies for approval by local and global CFOs.
• Provide timely insights and responses to management regarding business health indicators, including risk alerts, credit limit adjustments, and account suspensions.

Operational Excellence

• Ensure accurate business records and sound bookkeeping practices are maintained to support credit risk objectives.
• Work closely with Collections Teams to align on recovery strategies and customer engagement.
• Deliver exceptional customer service to both internal stakeholders and external clients, maintaining strong professional relationships.

Cross-Functional Support

• Act as a key liaison between finance, operations, and commercial teams to ensure alignment on credit policies and customer strategies.

Qualifications

• Candidate should be resilient and manage the complex business environments and multiple stakeholders.
• A university Bachelor degree or Masters’ in Business Administration, Accounting, Finance, Economics or a related field is required.
• Minimum 5 years as credit risk manager role, understand end to end O2C processes, preferably in logistics, supply chain, or a related industry.
• Proven track experience in centralizing of knowledge-based activities for multiple countries or region including change management with countries under migration scope
• Demonstrated experience leading teams of 5 years and managing cross-functional relationships.
• Project and Senior Stakeholder management skills
• Proficiency in financial analysis tools, ERP systems (and Microsoft Office Suite.
• Proven experience in fostering a high-performance culture with enthusiasm and accountability.
• Excellent verbal and written communication skills for engaging with internal stakeholders (e.g., Sales, Branch Managers, Area Controllers) and external customers.
• Skilled in conducting financial review calls and negotiating credit terms
• Strong judgment in escalating credit issues and recommending actions.
• Strong attention to detail and excellent follow-up skills required including time management.