Credit and Collection Associate

2 days ago

Pasig Central Post Office, Philippines AFC SME Finance, Inc. Full time ₱15,000 - ₱180,000 per year

Position Summary:

We are seeking a detail-oriented and analytical Credit and Collection Associate to join our growing team in the financing industry. The successful candidate will be responsible for evaluating credit applications, monitoring customer accounts, and managing collection activities to minimize financial risk and maintain healthy cash flow. This role requires a strong understanding of credit analysis, collections strategy, and customer relationship management in a financial services environment.

Key Responsibilities:

  • Credit Evaluation:
  • Review and analyze credit applications and financial statements.
  • Perform credit checks and risk assessments using internal tools and external sources.
  • Recommend credit limits and terms in alignment with company policies.
  • Accounts Monitoring:
  • Monitor accounts receivable to ensure timely payments and identify overdue accounts.
  • Maintain up-to-date records of customer interactions, payments, and account status.
  • Collection Activities:
  • Initiate collection efforts via phone calls, emails, and written communication.
  • Negotiate payment arrangements and settlements while maintaining customer relationships.
  • Escalate delinquent accounts and recommend legal or third-party collection when necessary.
  • Reporting & Documentation:
  • Prepare regular reports on credit exposure, aging analysis, and collection progress.
  • Assist in audits and compliance documentation as needed.
  • Collaboration:
  • Work closely with Sales, Customer Service, and Finance teams to resolve billing or payment disputes.
  • Support continuous improvement initiatives in credit and collections processes.

Qualifications:

  • Bachelor's degree in Finance, Accounting, Business Administration, or related field.
  • Solid understanding of credit risk assessment and collection procedures.
  • Proficient in Microsoft Office (especially Excel); experience with ERP systems is a plus.
  • Strong analytical, negotiation, and interpersonal skills.
  • High attention to detail and ability to manage multiple tasks effectively.

Preferred Skills:

  • Familiarity with credit scoring systems and financial statement analysis.
  • Knowledge of relevant laws and regulations (e.g., Fair Debt Collection Practices Act).
  • Experience handling B2B and/or consumer financing accounts.

Job Types: Full-time, Permanent

Pay: Php15, Php18,000.00 per month

Benefits:

  • Company Christmas gift
  • Health insurance
  • Life insurance
  • Opportunities for promotion
  • Paid training
  • Pay raise
  • Promotion to permanent employee

Work Location: In person

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