Job description:

Job description:

I. Position Summary

Oversee the credit and collection team, providing guidance and leadership to ensure efficiency and effectiveness in the receivable’s management process. Monitoring of overall company’s credit risk.

II. Responsibilities

Collection:

· Monitor the accounts especially those classified as past-due and delinquent

· Implement the desired delinquency ratio

· Monitor performance if restricted accounts to ensure compliance to loan agreements

· Control delinquency of assigned group of accounts within set standards

· Minimize risk and credit losses and integrated subject matter and industry expertise to develop collection strategies to limit portfolio delinquencies

· Monitor the risk exposure that increases the past due ratio while escalating detected exceptions per policy and obtaining facilities to address recurring exceptions

· Interpret data, make recommendations, identify gaps and assist in formulating policies

Credit Investigation and Appraisal:

· Create and ensure the healthy credit scoring of applicants and clients.

· Review incoming credit requests for completeness and accuracy, and convert to concise, accurate recorded credit facilities

· Interpret data, make recommendations, identify policy gaps, and assist in formulating policies

· Appropriately assess risk before business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding the company., its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

· Ensure risk is mitigated throughout the credit life cycle of all clients.

· Review quality of Operations' work for compliance with procedural and regulatory requirements and standards

· Monitor overall company’s credit risk

II. Experience Requirement

· Bachelor’s degree graduate in Accountancy, Finance or any related source

· Minimum of five (5) years of working experience as Credit and Collection management

· With proven leadership skills

· With strong work ethics and high level of personal and professional integrity

· Strong analytical and problem-solving skills to identify and address credit-related issues.

· With excellent communication and negotiation abilities to effectively liaise with clients

· Thorough understanding of credit management principles, practices and regulations

Must be willing to be assigned at Edsa Munoz Quezon City.