Credit and Collections Specialist

About the role

As a Credit & Collections Specialist you will safeguard the company’s financial health by assessing credit risk, setting appropriate credit limits and driving timely collections. You will partner with sales, finance and operations to optimise cash flow and minimise bad‑debt exposure.

Key responsibilities

• Analyse financial statements, credit reports and payment histories to evaluate creditworthiness of new and existing customers.
• Determine and recommend credit limits and terms in line with company policies.
• Monitor accounts‑receivable ageing, follow up overdue invoices and negotiate payment plans.
• Escalate delinquent accounts and coordinate legal actions when necessary.
• Produce regular reports on ageing receivables, collection activities and bad‑debt reserves.
• Identify trends, forecast cash‑flow and suggest improvements to credit policies.
• Serve as primary contact for customer inquiries on credit terms, billing issues and payment options.

Required profile

• Bachelor’s or Associate degree in Business Administration, Finance, Management or equivalent.
• Minimum 3 years of experience in credit analysis, collections or related finance functions.
• Strong analytical mindset with attention to detail.
• Excellent communication and negotiation skills.

Required skills

• Proficiency in Microsoft Excel (financial modelling preferred).
• Working knowledge of Oracle ERP.
• Familiarity with Noetix credit management system.
• Ability to read and interpret financial statements.