Location: Cebu

Work setup: Full onsite

Schedule: Monday to Friday, Dayshift

Job Summary

The Credit and Collections Manager is responsible for leading the company's credit and collections function to ensure strong cash flow, minimize delinquencies, and safeguard profitability. This role focuses on strategic oversight of accounts receivable, driving collection efficiency, enforcing credit policies, and managing recovery efforts—including delinquency management and asset repossession—while maintaining balanced customer relationships.

Qualifications

Bachelor's degree in Finance, Accounting, Business Administration, or a related field
At least 5–7 years of experience in Credit and Collections, including minimum 2 years of managerial or people management experience
Background in automotive, motorcycle, or similar asset-backed financing industries is highly preferred
Strong background in accounts receivable, credit risk, and financing operations
Experience in handling delinquent accounts, implementing collection strategies, and managing repossessions
Strong leadership and team management capabilities

Key Responsibilities

Develop, implement, and continuously improve credit and collection policies, systems, and procedures
Oversee accounts receivable and ensure timely collections, minimizing payment delays
Drive collection efficiency by enforcing structured follow-ups, penalties (e.g., interest on late payments), and recovery strategies
Manage delinquent accounts, including escalation, restructuring, and repossession where necessary
Lead, mentor, and manage a team of collection agents and credit advisors, ensuring performance targets are met
Monitor and analyze collection performance, default rates, and aging reports; provide actionable insights to management
Partner closely with Sales, Operations, and Legal teams to resolve complex accounts and support financing-related transactions
Conduct regular audits to ensure accuracy, completeness, and integrity of account records
Ensure compliance with internal policies, regulatory requirements, and credit risk standards
Drive strategic initiatives to improve credit risk management and overall portfolio health

Key Skills

Credit Risk Assessment & Portfolio Management
Collection Strategy, Recovery & Repossession
Financial Analysis & Reporting
Accounts Receivable Management
Stakeholder Management & Cross-Functional Collaboration
Leadership, Decision-Making & Team Development
Negotiation, Problem-Solving & Customer Handling

Credit & Collections Manager (Automotive)