Credit Management Associate: AR, Collections & Governance

Singtel Group; Singapore; On-site; SGD 90,000 - 150,000; Full time

Job summary

Singtel is seeking a senior Credit Risk & Receivables Lead to safeguard the organisation's credit exposure, optimise cash collection and deliver accurate financial reporting. You will lead the AR and credit teams, partner with Sales, Finance, Billing, Treasury and Legal to implement policies, monitor DSO, manage disputes, and drive process improvements across the receivables spectrum.

If you have 5+ years in finance with strong analytical and leadership skills, apply to shape governance and

Qualifications

• Bachelor’s degree in accounting, finance, business or related field.
• Minimum 5 years of relevant finance/accounting experience.
• Experience in AR, credit assessment, credit management and month-end closing.
• Solid understanding of accounting principles, financial reporting and internal controls.
• Experience preparing AR ageing, bad debt provisions, cash flow forecasts, and reports.
• Proficiency in Excel and ERP systems (e.g., SAP), with reconciliation tools like Blackline.

Responsibilities

• Credit Assessment, Credit Management and Accounts Receivable functions.
• Develop and implement credit policies, collection strategies and receivables governance.
• Lead, coach and develop the Credit Risk & Receivables team.
• Partner with Sales, Finance, Billing, Treasury, Legal and business stakeholders.
• Drive collection performance and achievement of DSO and ageing targets.
• Review ageing reports and oversee recovery strategies for overdue accounts.
• Manage escalated disputes, payment negotiations and debt recovery activities.
• Lead debt review meetings and oversee SOA issuance and customer reconciliations.
• Monitor doubtful debts and recommend recovery or write-off actions.
• Oversee end-to-end AR operations including receipt processing, reconciliations and payment allocation.
• Ensure timely month-end and year-end close activities for receivables.
• Review BlackLine reconciliations, journal entries and balance sheet reconciliations.
• Prepare bad debt provisions in accordance with accounting policies.
• Prepare management reports, AR ageing analysis, cash collection performance dashboards and KPI reporting.
• Support budgeting, free cash flow forecasting and working capital management.
• Provide accurate reporting and analysis to senior management to support decision-making.

Skills

Analytical thinking

Problem-solving

Communication

Stakeholder management

Independent work

Multitasking

Education

Bachelor's degree in accounting/finance/business

Tools

SAP

Citrix

Blackline

Job description

Singtel is seeking a senior Credit Risk & Receivables Lead to safeguard the organisation's credit exposure, optimise cash collection and deliver accurate financial reporting. You will lead the AR and credit teams, partner with Sales, Finance, Billing, Treasury and Legal to implement policies, monitor DSO, manage disputes, and drive process improvements across the receivables spectrum.

If you have 5+ years in finance with strong analytical and leadership skills, apply to shape governance and