Objectives:
to assess the creditworthiness of new and existing customers, establish appropriate credit limits, and ensure timely collection of outstanding accounts receivable in order to maintain a healthy portfolio and a stable cash flow.
key responsibilities:
credit analysis and authorization
* review and validate financial documents (financial statements, tax returns, commercial references).
* analyze payment history and credit reports to assess risk levels.
* propose and set credit limits, terms, and expiration dates according to internal policies.
* maintain and update customer credit files.
* participate in credit committee meetings or submit credit adjustments for approval.
accounts receivable management
* monitor daily the accounts receivable and follow up on overdue invoices.
* send proactive payment reminders before and after due dates.
* generate and analyze aging reports by customer, region, and segment.
* ensure correct and timely payment application in the erp system.
* track credit notes and adjustments with proper authorization and documentation.
collection and negotiation
* contact delinquent customers to negotiate payments or revised payment plans.
* log all collection activities and commitments in the system or crm.
* escalate unresolved or high-risk cases to legal or management.
* reduce bad debt exposure and improve collection effectiveness.
internal coordination and process improvement
* work collaboratively with various teams to ensure the validation of commercial conditions and prevent invoice disputes.
* support resolution of billing or delivery issues affecting payments.
* suggest improvements to credit policies and collection procedures.
* participate in internal and external audits by providing required documentation.
what are we looking for?
* bachelor’s degree in accounting, finance, business administration or related field.
* 2 to 4 years in credit and collections roles, preferably in industries such as consumer goods, retail, manufacturing, or b2b services.
* proven experience managing a portfolio of over 100 accounts or monthly invoicing volumes above $5m mxn (or equivalent).
* proficient in erp systems (microsoft dynamics).
* advanced excel (pivot tables, formulas, vlookup, macros desirable).
* understanding of credit reports.
* strong analytical and organizational skills.
* results-driven and deadline-oriented.
* effective communication, negotiation, and diplomacy.
* ability to manage time and multiple priorities.
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