The Credit and Collections Analyst/Accountant is responsible for managing customer credit, monitoring accounts receivable, and ensuring timely collection of outstanding balances. This role plays a key part in maintaining healthy cash flow while minimizing credit risk and supporting accurate financial reporting.

Responsibilities

• Evaluate and assess customer creditworthiness based on financial data and payment history
• Set up and maintain customer credit limits in accordance with company policies
• Monitor accounts receivable aging and ensure timely collection of outstanding balances
• Follow up on overdue accounts through calls, emails, and formal demand notices
• Investigate and resolve billing discrepancies, disputes, and payment issues
• Prepare and analyze AR reports, aging schedules, and collection performance
• Recommend accounts for credit hold, restructuring, or endorsement to legal collection if necessary
• Coordinate with Sales, Operations, and Accounting teams regarding customer accounts
• Record and reconcile collections, ensuring proper posting in the accounting system
• Assist in month-end closing related to accounts receivable
• Ensure compliance with company policies, internal controls, and accounting standards
• Maintain complete and accurate documentation for audit purposes

Job Requirements

• Bachelor’s degree in Accountancy, Finance, or related field
• Proven experience in accounts receivable, credit, and collections
• Strong knowledge of accounting principles and credit management practices
• Proficient in Microsoft Excel and accounting/ERP systems
• Strong negotiation and communication skills
• High attention to detail and analytical ability
• Ability to handle difficult collection situations professionally

Preferred Qualifications (Optional):

• CPA is an advantage
• Experience in handling corporate or high-volume accounts
• Background in distribution, retail, or service industry

Key Competencies:

• Analytical Thinking
• Negotiation Skills
• Customer Management
• Attention to Detail
• Problem-Solving
• Integrity and Accountability