Collections Officer

Scandinavian Tobacco Group Tobacco Service B.V.; Lisboa; Hybrid; EUR 20,000 - 34,000; Full time

Job summary

Scandinavian Tobacco Group (STG) in Lisbon seeks a Collections Officer to strengthen cash flow through proactive AR management and collaboration with Sales, Credit Management, and Customer Service. You will resolve payment challenges and drive improvements in the Quote-to-Cash process within an international finance setup.

The role emphasizes building relationships, monitoring overdue balances, and contributing to process automation and efficiency in STG's Finance Operations in Lisbon.

Qualifications

• Bachelor's degree in Accounting, Finance, or related field.
• 2–5 years in Accounts Receivable, Collections, or Credit Management.
• Experience with SAP S/4HANA; FSCM knowledge is a plus.
• Strong analytical, negotiation skills; capable of handling complex customer situations.
• Fluency in English; knowledge of French/Dutch/German is a plus.

Responsibilities

• Manage assigned customer portfolios to meet collection targets and cash flow goals.
• Execute end-to-end collection and dunning activities with timely follow-up.
• Investigate and resolve complex payment allocation issues.
• Collaborate with Sales, Credit Management, and Customer Service to resolve disputes.
• Analyze AR ageing and develop action plans to reduce overdue debt.
• Prepare portfolio performance reports and support process improvements.

Skills

Analytical skills

Negotiation

Collaboration

Ownership

Problem-solving

Fluent English

Education

Bachelor's degree in Accounting/Finance

Tools

SAP S/4HANA

Job description

Job Description

Collections Officer

Posting Start Date: 10/14/26

Alcântara, PRT, 1300‑001,

Collections Officer, Finance

• Location: Lisbon, Portugal
• Working hours: Full-time
• Work model: Hybrid
• Contract type: Permanent

Are you passionate about building strong customer relationships while driving cash flow performance and financial excellence? Do you enjoy solving complex challenges, negotiating outcomes, and making a tangible impact on business performance? Then you might be the person we are looking for.

As our new Collections Officer, you will be part of the Finance organization and play an important role in ensuring healthy cash flow, reducing overdue balances, and supporting effective Accounts Receivable management across assigned markets. You will work closely with Sales, Credit Management, Customer Service, and Finance stakeholders to resolve payment challenges, improve collection outcomes, and contribute to a high-performing Quote-to-Cash process. This is a great opportunity to develop your expertise in an international organization while helping shape the future of STG's Finance Operations in Lisbon.

What Your Day Will Look Like

In this role, you will typically focus on:

• Manage assigned customer portfolios to achieve collection targets and support cash flow optimization.
• Execute and monitor end-to-end collection and dunning activities, ensuring timely follow-up on overdue balances.
• Investigate and resolve complex payment allocation issues, including unapplied and unidentified receipts.
• Collaborate with Sales, Credit Management, and Customer Service teams to resolve disputes, deductions, and payment barriers.
• Analyze Accounts Receivable ageing, identify collection risks, and implement structured action plans to reduce overdue debt.
• Prepare portfolio performance reports and contribute to process improvements, automation initiatives, and operational efficiency.

What You'll Bring

• Bachelor's degree in Accounting, Finance, Business Administration, or a related field.
• 2-5 years of experience in Accounts Receivable, Collections, Credit Management, or a similar Finance function.
• Experience working with SAP S/4HANA; knowledge of FSCM and automated dunning tools is an advantage.
• Strong analytical, problem-solving, and negotiation skills with the ability to manage complex customer situations independently.
• A collaborative and proactive mindset with a strong sense of ownership and continuous improvement.
• Fluency in English, both written and spoken. Knowledge of French, Dutch, or German is considered a strong advantage.

Working At STG & What To Expect

At Scandinavian Tobacco Group (STG), we are so much more than what meets the eye. We combine the strength of global brands with the entrepreneurial mindset that allows people to make a real impact. Here you'll have the opportunity to grow your career, collaborate across borders, and help shape what's next.

For this role, the Annual Base Salary ranges from EUR 20,175 to EUR 33,625, corresponding to the level of the position, expected experience and responsibilities.

Incentives and Benefits

The salary package may include short-term and/or long-term incentives as well as other employee benefits based on position level, location, functional area and relevant market benchmarks.

Our recruitment process

• Recruiter screen
• Interview with the hiring team
• Assessment, case study, or work sample, if relevant
• Final interview with leadership or key stakeholders

Scandinavian Tobacco Group is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, colour, religion, sex, sexual orientation, gender identity, national origin, disability status, protected veteran status, or any other characteristic protected by law.