Position Overview

We are seeking a proactive and detail-oriented Credit & Collections Specialist to oversee customer credit risk management and optimise our Accounts Receivable (AR) portfolio. In this role, you will balance risk mitigation with business growth by evaluating creditworthiness, driving timely collections, and collaborating across departments to maximise cash flow and minimise bad debt.

Key Responsibilities

1. Credit Risk Assessment & Management

• Evaluate Credit Applications: Review and analyse new customer credit applications and financial data to establish appropriate credit limits and payment terms.

• Monitor Exposure: Continuously assess customer credit risk, tracking industry trends and account behaviours to recommend proactive risk-mitigation strategies.

• Policy Compliance: Ensure all credit decisions strictly adhere to company policies, internal controls, and established compliance procedures.

2. Accounts Receivable (AR) Performance & Optimisation

• Drive Portfolio Performance: Manage the end-to-end AR lifecycle, including proactive collections, accurate cash application, and timely account reconciliations.

• Analyze Key Metrics: Regularly review AR Aging and Days Sales Outstanding (DSO) reports to pinpoint collection opportunities and identify potential default risks.

• Maximize Cash Flow: Implement targeted collection strategies to reduce overdue balances, resolve disputes, and accelerate cash velocity.

3. Daily Operations & Account Maintenance

• Order Release Management: Perform daily credit reviews to make efficient, data-driven order release decisions that keep the business moving.

• Data Integrity: Create, update, and maintain accurate customer master data and credit records within our financial systems.

4. Stakeholder Collaboration & Relationship Management

• Cross-Functional Partnership: Collaborate closely with Sales, Customer Service, and Finance teams to resolve billing disputes, streamline workflows, and clear collection hurdles.

• Strategic Escalations: Act as the point of contact for high-risk accounts, providing leadership with timely risk assessments and actionable recommendations.

• Customer Relations: Maintain strong, professional relationships with external clients, balancing a diplomatic approach with a firm commitment to collection targets.