Credit Specialist

The position reports to the Head of Credit & Analytics, Wholesale Business .

Job Overview:

The Credit Specialist is responsible to oversee collection activities for assigned customer accounts and continuous process improvement initiatives to drive Internal efficiency and / or to enhance customer experience.

The role requires strong analytical capabilities to assess credit exposures, identify risk trends, provide actionable insights, and support data-driven decision making to enhance collection performance, operational efficiency, controls, and customer experience. The role also partners closely with cross-functional stakeholders to improve processes, compliance with credit governance and policies, resolve complex customer and billing issues.

We are seeking a proactive and analytical individual who thrives in a fast-paced environment, enjoys solving complex business and operational challenges through data and critical thinking, and has a strong passion for continuous improvement, stakeholder collaboration, and customer service excellence.

Your work life:

- Manage and oversee collection activities for assigned customer accounts, in-depth analysis of customer payment behaviour, commercial arrangements, and dispute drivers to develop effective collection and resolution strategies.

- Collaborate closely with customers, sales, and operations teams to resolve billing and credit issues, drive timely collections, and achieve DSO performance targets.

- Compliance with credit policies and procedures to ensure alignment with business objectives, risk appetite, regulatory requirements, and industry best practices.

- Analyse, plan and execute action plan based on monthly ageing report, billing reports, statement of accounts, weekly collection report and other reports at their disposal.

- Identify, propose, and implement process improvement initiatives to enhance productivity, cost efficiency, risk controls, and customer satisfaction within Credit Management team.

- Collaborate with cross-functional stakeholders to implement process changes and ensure successful adoption.

- Reporting / analysis pertaining to customer accounts (i.e. summary of aging with type of issues of entire customer account, chronology of events / communication, ad-hoc analysis pertaining to customer account as and when required)

- Support audits by providing accurate documentation and responding promptly to audit requests.

To be considered, you’ll need :

- Education: Degree in Accounting/ Finance or equivalent professional qualifications of CIMA, ACCA, ICAEW, or CPA.

- Experience: Ideally with 3 years’ experience in credit, collection or accounts receivable management in a business-to-business environment.

- Skills:

Proficient credit risk and collections knowledge.

- Good customer service orientation with negotiation skills.

- Process improvement mindset with hands-on execution capability.

- Data-driven analysis and problem-solving skills.

- Stakeholder management and cross-functional collaboration.

- High attention to detail and discipline.

- Ability to balance operational delivery with transformation initiatives.

- Ability to work under pressure and meet deadlines.

- Able to work independently with minimum supervision.

- Microsoft office skills (MS Excel, Word, and PowerPoint) are required.

- Knowledge and experience in SAP are preferred.