Credit Analyst

Job Overview:

The Credit Analyst is responsible for effective credit management, collections, and debtor performance across assigned accounts, while also driving continuous process improvements to enhance efficiency, controls, and customer experience within the Credit Management function.

We are seeking someone who thrives in a fast-paced environment, enjoys problem-solving through data, has passion for continuous improvement and a commitment to customer service excellence.

Your work life:

• Accountable for assigned customer accounts, ensuring timely collection and resolution of overdue balances.
• Proactively follow up with customers to secure overdue payments and negotiate payment solutions where required.
• Respond to customer account and credit-related queries in a timely, professional manner. This includes collaborating with sales and operations stakeholders to obtain the necessary information to respond to customer.
• Track and monitor monthly overdue and meet DSO KPIs set by Management.
• Prepare monthly ageing report and weekly collection report, analyse credit exposures, collections performance and ageing trends.
• Perform credit assessments and reviews in accordance with established credit policies and risk appetite.
• Support audits by providing accurate documentation and responding promptly to audit requests.
• Identify, propose, and implement process improvement initiatives to enhance productivity, cost efficiency, risk controls, and customer satisfaction within Credit Management team.
• Plan and drive continuous improvement projects, ensuring delivery against agreed timelines and objectives.

• Collaborate with cross-functional stakeholders to implement process changes and ensure successful adoption.
• Document end-to-end business processes using industry-standard methodologies
• Develop and maintain process documentation, controls, and performance metrics to track improvements and outcomes.
• Collaborate and support operational teams on new processes, systems, and ways of working.

To be considered, you’ll need:

• Education: Degree in Accounting/ Finance or equivalent professional qualifications of CIMA, ACCA, ICAEW, or CPA.
• Experience: Ideally with 3 years’ experience in Credit, Collection or Accounts Receivable Management in a business-to-business environment

• Skills:
  • Credit risk and collections knowledge.
  • Strong customer service orientation with negotiation skills.
  • Process improvement mindset with hands-on execution capability.
  • Data-driven analysis and problem-solving skills.
  • Stakeholder management and cross-functional collaboration.
  • High attention to detail and discipline.
  • Ability to balance operational delivery with transformation initiatives.
  • Ability to work under pressure and meet deadlines.
  • Able to work independently with minimum supervision.
  • MS Excel, Word, and PowerPoint.

Our Commitment to You
At Time, we believe great work deserves great support. Here’s what you can look forward to when you join us:

• Comprehensive medical coverage for you and your immediate family, including outpatient care, hospitalisation, dental and optical benefits.
• Wellness support with an annual spending account for health-related needs, alternative treatments, or even paid-up premiums for personal insurance.
• Employee assistance during life’s big moments, from celebrations to times of bereavement.
• Learning & growth opportunities through dedicated time for learning, access to LinkedIn Learning and rewards for upskilling.
• Cash rewards for recognised certifications and full reimbursement for up to two approved professional memberships each year.

*Only shortlisted candidates will be notified.