Senior Credit Associate

Responsible for managing and overseeing the Credit PayG collections process, ensuring timely and effective recovery of outstanding debts. Collaborate with internal departments, communicate with clients, and employ a strategic approach to minimize delinquencies: strong analytical skills, attention to detail, and a proven track record in credit and collections. The Senior Credit Associate will play a critical role in maintaining financial stability through effective Credit PayG management and collection strategies.

Requirements

• Bachelor's degree in Finance, Accounting, Business, or a related field.
  
• Proven experience in credit and collections, with at least 3 years in a senior or lead role.
  
• Strong knowledge of credit risk assessment, debt recovery strategies, and legal implications.
  
• Excellent communication and interpersonal skills to interact effectively with internal teams and external clients.
  
• Proficiency in using credit management software and Microsoft Office Suite.
  
• Analytical mindset with the ability to interpret financial data and make informed decisions.
  
• Results-driven attitude with a focus on meeting and exceeding collection targets.
  

• Lead and execute the end-to-end Credit PayG collections process, including monitoring delinquencies and implementing collection strategies
  
• Evaluate the creditworthiness of customers and establish credit limits in collaboration with the credit analysis team
  
• Develop and maintain relationships with clients to facilitate open communication and resolve payment issues
  
• Analyze customer accounts, identify trends, and recommend process improvements to minimize outstanding debts
  
• Coordinate with sales, customer service, and other relevant departments to address client concerns and expedite resolution of disputes
  
• Utilize negotiation and persuasion skills to secure payment commitments and resolve disputes amicably
  
• Prepare and present regular reports on collection activities, aging analysis, and key performance indicators to management
  
• Stay up-to-date of industry trends, regulations, and best practices in credit and collections