About this role
The Senior Credit & Collections Analyst is responsible for leading end-to-end Order-to-Cash activities, combining credit risk management, proactive collections, and hands-on application to improve cash performance, reduce risk, and ensure accuracy in a fast-paced, global environment.
This position plays a key role in driving cash performance, improving working capital, and strengthening credit and collections processes across a complex, global customer base.
Key Responsibilities
Credit Risk Management
• Assess and analyse the creditworthiness of new and existing customers • Review and propose credit limit changes, ensuring approvals are obtained in line with delegated authority levels • Obtain and evaluate credit and bank references where required • Recommend credit decisions based on risk assessment • Work with Sales and Customer Care to identify alternative solutions where credit terms cannot be extended • Ensure adherence to company policies and delegated authority levels, seeking approvals in a timely manner
Collections & Accounts Receivable
• Manage a high-volume portfolio of customer accounts to ensure timely collections • Manage accounts across multiple countries and currencies • Carry out structured collection activities, including follow-ups and escalation of overdue balances • Investigate and resolve invoice disputes, deductions, and short payments • Support the reduction of aged debt and improvement of collection performance • Support month-end reporting requirements
Cash Application & Reconciliation
• Perform timely and accurate cash application within SAP • Allocate payments and ensure correct matching to customer accounts • Reconcile unapplied cash and investigate discrepancies • Maintain accuracy of the accounts receivable subledger and support month-end close
Stakeholder Management
• Work closely with Sales, Customer Care, Operations, Finance, and Legal teams to resolve issues • Engage with customers to address payment queries and escalations • Work with external credit agencies to support the assessment and determination of customer credit worthiness
Reporting & Process Improvement
• Use SAP and collections systems to monitor AR ageing and account activity • Support the preparation of AR and collections reporting • Identify and support process improvements to increase efficiency and control • Support ad hoc credit, treasury, or cross-functional projects as required
Qualifications - Bachelor’s degree in Accounting, Finance or related field (or equivalent experience) - Minimum 6 years’ experience of credit, collections, and accounts receivable within a high-volume environment
Skills & Competencies - Strong attention to detail and accuracy, combined with a proactive, hands-on approach - Ability to manage multiple priorities in a high-volume environment - Experience working in a multi-entity and multi-currency environment - Strong SAP experience (FI/AR module) in an Accounts Receivable / Order-to-Cash environment - Experience with collections or receivables management systems - Advanced Excel skills (pivot tables, lookups, data reconciliation & large dataset analysis) - Solid understanding of accounts receivable processes, including collections, cash application and reconciliation - Experience allocating cash, resolving unapplied cash and investigating discrepancies, including variance analysis - Experience managing customer collections and resolving payment issues - Strong stakeholder management and communication skills - Understanding of credit risk principles - Strong analytical and problem-solving skills