Position Summary
The Senior Credit Analyst oversees the full Order-to-Cash (O2C) cycle, integrating credit risk management with proactive collections and hands-on cash application. The role is focused on driving cash flow performance, minimising risk, and maintaining accuracy within a fast-paced, global environment. This position is instrumental in improving working capital and enhancing credit and collections processes across a diverse international customer base.
Key Responsibilities
Credit Risk Management
Evaluate the creditworthiness of new and existing customers through detailed analysis
Review and recommend credit limit adjustments, ensuring approval in line with delegated authority frameworks.
Obtain and assess credit reports and bank references when required
Make informed credit decisions based on risk assessments
Partner with Sales and Customer Care to identify alternative solutions where standard credit terms are not viable.
Ensure compliance with company policies and approval protocols, escalating where necessary
Collections & Accounts Receivable
Manage a high-volume portfolio of accounts, ensuring timely collection of outstanding balances
Oversee accounts across multiple regions and currencies
Execute structured collections activities, including follow-ups and escalation of overdue accounts
Investigate and resolve billing disputes, deductions, and short payments
Contribute to reducing aged debt and improving overall collection metrics
Support month-end reporting and close processes
Cash Application & Reconciliation
Perform accurate and timely cash application within SAP
Allocate incoming payments and match them correctly to customer accounts
Investigate unapplied cash and resolve discrepancies
Maintain integrity of the accounts receivable ledger and support period-end close activities
Stakeholder Management
Collaborate with Sales, Customer Care, Operations, Finance, and Legal teams to resolve issues efficiently.
Engage directly with customers to handle payment queries and escalations
Liaise with external credit agencies to support credit assessments and decisions
Reporting & Process Improvement
Monitor AR ageing and account activity using SAP and collections tools
Support the preparation of reporting related to accounts receivable and collections performance
Identify opportunities to improve processes, driving efficiency and stronger financial controls
Assist with ad hoc projects across credit, treasury, and cross-functional initiatives
Qualifications
Bachelor's degree in Finance, Accounting, or a related discipline (or equivalent experience)
Minimum of 6 years' experience in credit, collections, and accounts receivable within a high-volume environment
Skills & Competencies
Strong attention to detail with a proactive, hands-on approach
Ability to manage competing priorities in a fast-paced, high-volume setting
Experience in multi-entity and multi-currency environments
Strong SAP experience (FI/AR module) within an Order-to-Cash function
Familiarity with collections or receivables management systems
Advanced Excel skills, including pivot tables, lookups, and large data analysis
In-depth understanding of AR processes, including collections, cash application, and reconciliations
Experience resolving unapplied cash, discrepancies, and performing variance analysis
Proven ability to manage collections portfolios and resolve payment issues
Strong communication and stakeholder management skills
Solid understanding of credit risk principles
Excellent analytical and problem-solving abilities
If you're interested in this role, click 'apply now' to forward an up-to-date copy of your CV.
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