78 Credit Control jobs in the Philippines

The Senior Credit Control Accountant is responsible to lead and oversee the credit control process, ensuring timely collection of debts while maintaining strong customer relationships and minimizing risk to the business.
**Responsibilities:**
+ Performs collection activities on due invoices and dunning procedures and monitoring debtor balances to ensure a reduction in debtors DSO, % past due
+ Ensure the way of working is compliant with the Global Credit Policy and Level of Authority documents; Handling bad debt
+ Updating contractors' credit limits and updating existing procedures from the O2C Credit & collections area
+ Supports functional on-boarding of team members
+ Active participation in the projects conducted by the SSC and other specific activities determined for the assigned CC & CM area
+ Support the supervisor in other day-to-day administrative tasks and other activities and duties ordered by the immediate superior
+ Reporting: Prepare detailed monthly reports on debtors' performance, aged debt analysis, and cash flow forecasting act as TL support when needed
+ Customer Relations: Handle escalated queries and disputes, maintaining positive relationships with customers. act as TL support when needed
+ Credit Assessment: Review credit applications, performing risk assessments and setting credit limits
+ Stakeholder Management: Collaborate with internal departments such as sales and accounts to resolve issues and improve cash collection processes
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**Qualifications:**
+ At least 3 years working experience in the accounting area of credit and collections
+ Determination to respond to tight deadlines
+ Naturally driven to work with confidence in a complex business environment
+ Excellent organizational skills, attention to detail (including the necessary paperwork) and ability to handle multiple tasks simultaneously
+ Promptness and good communication with other departments
+ Hands-on mentality with the ability to work independently
+ Strong presence and credibility is desired
+ Inquisitive, pro-active and precise
+ Good knowledge of MS Excel (reporting purposes) and exposure to work with ERP systems and system migrations
+ Knowledge of SAP is and advantage

The Credit Control Accountant - Bahasa Malaysia Speaker is to focus on the improvement of Working Capital KPI's, like DSO, BPDSO and % current improvements to target and execute the Credit Policy to guarantee a high level of compliance.
**Responsibilities:**
+ Position will be working as part of the Credit and Collection Department, reporting to the Credit & Collections Supervisor
+ Performs collection activities on due invoices and dunning procedures
+ Credit checks on new and existing customers
+ Monitoring debtor balances to ensure a reduction in debtors DSO, % Current
+ Ensure the way of working is compliant with the Global Credit Policy and Level of Authority documents
+ Ensure business processes operate effectively to an appropriate level of fiscal compliance
+ Ensure accurate and timely collection of current and overdue receivables
+ Monitor and review credit limits in compliance with the Global Credit Policy and make sure these credit limits are communicated with the relevant regions
+ Monitor and advice on the local portfolio's including the A/R report and communicate pro-active recommendations with ultimate purpose to minimize losses
+ Deliver continuous improvement by advising on credit risk related processes & services to the organization
**Qualifications:**
+ At least 1 year working experience in the accounting area of credit and collections
+ Determination to respond to tight deadlines
+ Naturally driven to work with confidence in a complex business environment
+ Excellent organizational skills, attention to detail (including the necessary paperwork) and ability to handle multiple tasks simultaneously
+ Promptness and good communication with other departments
+ Hands-on mentality with the ability to work independently
+ Strong presence and credibility is desired
+ Language: Fluency in another foreign language (Bahasa Malaysia)
+ Inquisitive, pro-active and precise
+ Good knowledge of MS Excel (reporting purposes)

The Underwriter is a strategic professional with excellent communication skills required in order to negotiate internally, often at a senior level. Developed communication and diplomacy skills are required in order to guide, influence and convince others, in particular colleagues in other areas and occasional external customers. Accountable for significant direct business results or authoritative advice regarding the operations of the business.
This 1st Line role would ideally be suited to someone working in the capacity of a Risk Approver or Senior Analyst, Coverage Banker, Transactor or Product Specialist covering Structured Trade Products such as Structured Receivable transactions. If you are currently in any of these roles or have had experience in these roles, worked in these teams or similar business areas, then you should apply.
**Responsibilities:**
+ Global coverage with Asia focus
+ Work with Bankers, Product Partners and Underwriters in underwriting requests for credit extensions for new and existing clients
+ Familiarity with credit structuring, legal documentation review and receivable transactions
+ Build a solid understanding of Citibank products and services within Trade, Banking and the broader organization.
+ Perform industry, portfolio, geographical research and portfolio due diligence as needed.
+ Be familiar with Citibank credit policies and practices and regulatory policies, to assist unit in achieving compliance with the above and satisfactory ratings from internal and external auditors.
+ Coach and train less experienced underwriters and product partners in the credit analysis and approval process
+ Recommend changes to process to achieve greater efficiency.
+ Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.
**Qualifications:**
+ 10 years of relevant experience.
+ Bachelor's degree in finance or accounting (preferred) - previous experience working in a financial institution with additional experience in a loan officer or underwriting role. (credit trained a plus)
+ Advanced analytical skills including the ability to read and assess company financial statements, cash flow, industry and competitive analysis and projections
+ Demonstrated knowledge of intermediate accounting theory and its practical application in the credit underwriting process
+ Excellent organizational skills, attention to detail, and the ability to complete assignments in a timely manner
+ Effective written and verbal communication skills
+ Problem recognition and resolution skills
+ Ability to work autonomously and within a team
+ Proficient in various spreadsheet and word processing applications (Excel and Word are preferred), including the use of graphs and charts, and Moody's financial analysis software
**Education:**
+ Bachelor's/University degree, Master's degree preferred
+ English fluency is required
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
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**Job Family Group:**
Risk Management
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**Job Family:**
Credit Decisions
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**Time Type:**
Full time
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**Most Relevant Skills**
Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
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**Other Relevant Skills**
For complementary skills, please see above and/or contact the recruiter.
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_Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law._
_If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review_ _Accessibility at Citi ( _._
_View Citi's_ _EEO Policy Statement ( _and the_ _Know Your Rights ( _poster._
Citi is an equal opportunity and affirmative action employer.
Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.

The Credit Risk Senior Analyst is a seasoned professional role. Applies in-depth disciplinary knowledge, contributing to the development of new techniques and the improvement of processes and work-flow for the area or function. Integrates subject matter and industry expertise within a defined area. Requires in-depth understanding of how areas collectively integrate within the sub-function as well as coordinate and contribute to the objectives of the function and overall business. Evaluates moderately complex and variable issues with substantial potential impact, where development of an approach/taking of an action involves weighing various alternatives and balancing potentially conflicting situations using multiple sources of information. Requires good analytical skills in order to filter, prioritize and validate potentially complex and dynamic material from multiple sources. Strong communication and diplomacy skills are required. Regularly assumes informal/formal leadership role within teams. Involved in coaching and training of new recruits Significant impact in terms of project size, geography, etc. by influencing decisions through advice, counsel and/or facilitating services to others in area of specialization. Work and performance of all teams in the area are directly affected by the performance of the individual.
**Responsibilities:**
+ Oversees the monthly Loss Forecasting aspects of the group.
+ Liaises with the Finance, Collections & Risk Policy team with respect to Loss Forecasting.
+ Oversees analysis of Forecasting in Citi Corp with respect to Forbearance performance and reporting, and Recoveries performance and reporting.
+ Analyzes fraud portfolio performance at a granular level.
+ Develops detailed diagnostics on Fraud behavior, shifts in that behavior, assess its impact on portfolio performance, and support the forecasting process.
+ Assists in the production all presentations to the Citigroup CFO, Citi Cards CEO, Citi Cards Risk Head, Global Consumer Credit Risk Officer & Regulators, as well as various ad hoc requests.
+ Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.
**Qualifications:**
+ 5-8 years previous experience in Forecasting / Fraud / Risk Management
+ Advanced quantitative and analytic skills required.
+ Proficient in Excel, Microsoft Word, PowerPoint.
+ Excellent communication skills, both oral and written.
**Education:**
+ Bachelor's/University degree or equivalent experience
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
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**Job Family Group:**
Risk Management
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**Job Family:**
Credit Decisions
---
**Time Type:**
Full time
---
**Most Relevant Skills**
Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
---
**Other Relevant Skills**
For complementary skills, please see above and/or contact the recruiter.
---
_Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law._
_If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review_ _Accessibility at Citi ( _._
_View Citi's_ _EEO Policy Statement ( _and the_ _Know Your Rights ( _poster._
Citi is an equal opportunity and affirmative action employer.
Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.

We live in an increasingly complex world. Companies these days are either born global or are going global at record speed. Business and geopolitics are forging an entirely new dynamic and consumers now expect financial services to be a seamless part of their digital lives. **Citi** is a bank that's uniquely positioned for this moment. Through our vast global network and our on-the-ground expertise, we can connect the dots, anticipate change and empathize the needs of our clients and customers in ways that other banks simply cannot.
We're currently looking for a high caliber professional to join our team as **Commercial Bank Senior Underwriter** based in Manila, PHL.
This role is part of the Commercial Lending Management Unit that falls under the Institutional Credit Management (ICM) umbrella. ICM is an in-business, first line of defense (1LoD) function within Citi, dedicated to end-to-end wholesale credit risk (WCR) management. ICM covers numerous products, clusters and lines of businesses (LoBs) - all while providing the controls and support necessary to help reduce Citi's risks.
The Senior Underwriter - C11 is an intermediate level role. Applies in-depth disciplinary knowledge, contributing to the development of new techniques and the improvement of processes and workflow for the area or function. Integrates subject matter and industry expertise within a defined area. Requires in-depth understanding of how areas collectively integrate within the sub-function as well as coordinate and contribute to the objectives of the function and overall business. Evaluates moderately complex and variable issues with substantial potential impact, where development of an approach/taking of an action involves weighing various alternatives and balancing potentially conflicting situations using multiple sources of information. Requires good analytical skills in order to filter, prioritize and validate potentially complex and dynamic material from multiple sources. Strong communication and diplomacy skills are required. Regularly assumes informal/formal leadership role within teams. Significant impact in terms of project size, geography, etc. by influencing decisions through advice, counsel and/or facilitating services to others in area of specialization. Work and performance of all teams in the area are directly affected by the performance of the individual.
**Responsibilities:**
+ Interface with and support bankers in underwriting requests for commercial credit extensions for new and existing clients with ownership responsibilities for sound credit decisions and compliance with internal procedures/credit risk policy guidelines and standards.
+ Prepare a detailed written credit summary of commercial applicants requesting credit by analyzing the business, interpreting the finance need, identifying the strengths and prevailing risk factors and rendering a final credit decision.
+ Perform detailed financial analysis on companies, including trend and ratio analysis, and interpret the financial information.
+ Perform credit and personal financial statement analysis on individuals, guarantors, and co-borrowers in order to assess repayment capacity based on cash flow statements, tax returns, and statements.
+ Perform industry and geographical research and other due diligence as needed.
+ Maintain a solid understanding of Citibank products and services - within Small Business/Commercial Banking and the broader organization.
+ Maintain compliance with Citibank credit policies/practices and regulatory policies, to ensure business unit is in adherence to the above and receives satisfactory ratings from internal and external auditors.
+ Other duties as required to support business unit and company goals.
+ Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.
**Qualifications:**
+ 2-5 years relevant experience
+ Degree in Quantitative Fields such as Economics, Engineering, Operations Research, Business Finance, or Mathematics.
+ Previous experience in credit risk management or equivalent training and experience preferably in the financial services industry.
+ Ability to apply credit and risk principles toward business goals.
+ Demonstrated ability to synthesize, prioritize and drive results with a high sense of urgency.
+ Must be highly organized and able to work in a fast-paced environment managing multiple projects and possess effective.
+ Interpersonal, organizational and analytic skills.
**Education:**
+ Bachelor's/University degree or equivalent experience
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**Job Family Group:**
Risk Management
---
**Job Family:**
Credit Decisions
---
**Time Type:**
Full time
---
**Most Relevant Skills**
Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
---
**Other Relevant Skills**
For complementary skills, please see above and/or contact the recruiter.
---
_Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law._
_If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review_ _Accessibility at Citi ( _._
_View Citi's_ _EEO Policy Statement ( _and the_ _Know Your Rights ( _poster._
Citi is an equal opportunity and affirmative action employer.
Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.

• Analyze information and options by maintaining records and files; reconciling accounts.
• repares payments by accruing expenses; assigning accounts numbers; requesting disbursements. br>• V rify and reconcile invoices, receipts and other financial documents. < r>• E sure proper documentations, monitoring and back-up of all treasury related transactions. < r>• D velops and implements accounting procedures by analyzing current procedures. < r>• P otects the organization's value by keeping information confidential. < r>• A complishes accounting and organization mission by completing related results as needed. < r>• P rforms monthly bank statements. < r>• R gularly maintain detailed reconciliation of all balance sheet accounts. < r>• E sure compliance with the Accounting Principles, Company Policies and relevant accounting standards < r>• P ovide general administrative support to the Accounting department, as needed.

JOB SUMMARY:
Under the direct supervision of the Credit and Collection Manager, the position is primarily responsible for the monitoring and maintenance of credit customers’ accounts. The position is also responsible for dispute identification (rate issues, weight, re-bill issues, wrong billings, and claim paid invoices, unreceived billings and wrong charges) and timely communication of said identified disputes to concerned parties. br>ACCOUNT RECONCILIATION
1. Sends and ensures weekly submission of the Statement of Accounts to clients by generating the SOA from SAP, arranging it based on the client’s requirement to keep clients updated on their outstanding balance. < r>2. repares account reconciliation report for all feedback received from customers through telephone calls and client visit to ensure accuracy and reliability of the client’s statement of accounts/records. < r>3. E sures that all disputes identified after reconciliation are resolve by concerned departments to update clients’ balances. < r>4. R sends Certified True Copies of billings / invoices copy to clients to fast track payment processing.

CREDIT RESOLUTION
1. Prepares journal vouchers and credit memos by calling/emailing clients regarding their payment (details on checks) to resolve un-applied/unposted payments and to update records and resolve disputes within 3 days from OR date.
2. With at least six (6) months work-related experience in credit & collection and customer service. Willing to travel and work on extended hours. Should have good human interpersonal and analytical skills.
3. Graduate of any business course.

The AR Manager is responsible for overseeing the billing process and managing the collections function to ensure timely and accurate invoicing, receipt of payments, and the maintenance of healthy cash flow for the organization. This role requires strong organizational, financial, and communication skills to manage accounts receivable, resolve billing issues, and coordinate with clients and internal teams. The manager will also lead and mentor a team, ensuring efficiency in all billing and collections activities.
br>Key Responsibilities:

● Billing Oversight: < r>
- Oversee the preparation and generation of accurate and timely invoices based on contract terms, agreements, or order forms.

- Ensure that all billing procedures are in compliance with company policies and relevant laws.

- Manage billing cycles (monthly, quarterly, etc.) and coordinate with other departments to ensure accuracy in invoicing.

- Monitor and review invoicing discrepancies, resolve billing issues, and escalate as needed to ensure minimal delays in revenue collection.

● Collections Management: < r>
- Oversee the collections process, ensuring that payments are received in a timely manner and in accordance with company policies and contractual agreements.

- Monitor aging accounts receivable reports to track overdue payments and proactively engage with clients to collect outstanding balances.

- Develop and implement collection strategies to improve collections effectiveness and reduce outstanding balances.

- Negotiate payment terms and resolve issues related to disputed charges with clients.

● Team Leadership and Development: < r>
- Lead, manage, and mentor the billing and collections team to ensure effective performance and professional growth.

- Provide training on billing software, processes, and best practices.

- Monitor team performance, set clear targets, and conduct regular performance reviews.

● Reporting and Documentation: < r>
- Prepare and present regular reports to senior management on the status of accounts receivable, collection progress, and aging reports.

- Ensure accurate and up-to-date documentation of all communication with clients regarding billing and collections.

- Track and report on key performance metrics (KPIs) related to collections, aging accounts, and cash flow.

● Process Improvement and Compliance: < r>
- Continuously assess and improve the billing and collections processes to increase efficiency, reduce errors, and improve customer satisfaction.

- Ensure that the billing and collections department complies with all applicable regulations, such as tax laws, industry standards, and company policies.

- Stay informed on industry best practices and recommend changes to systems or workflows to optimize operations.

● Client Relations: < r>
- Maintain positive relationships with clients by providing excellent customer service and addressing any billing or payment inquiries.

- Work with the sales or customer service teams to resolve billing disputes or issues that may arise.

● Cash Flow Management: < r>
- Collaborate with the finance team to ensure that cash flow is optimized, and financial targets related to accounts receivable are met.

- Ensure that all receivables are accurately recorded and reported.

Job Summary:
br>To ensure accurate, complete, and timely processing of billing and collections, and support the company’s financial health by managing customer accounts and receivables. The role is crucial in maintaining cash flow and supporting project execution through accurate documentation and timely follow-ups. < r>
Key Duties and Responsibilities:1. Billing and Documentation

· Prepare and issue client billings (Down payment, Progress Billing, Final Billing, Retention Billings). br>
· Ensure billing complies with contract terms and project milestones. br>
· Secure all supporting documents for billing (e.g., signed Job Completion Certificates, Inspection Reports, Delivery Receipts). br>
· Coordinate with project engineers or person in charged verify work completion prior to billing. br>
2. Collections and Follow-up

· Monitor daily collections and ensure timely deposits of payments. br>
· Perform regular follow-ups through calls, emails, and formal collection letters. br>
· Coordinate with clients to address queries, disputes, or delays in payment. br>
· Monitor and manage retention receivables , Unbilled revenue and ensure proper tracking and release schedule. br>
3. Recording and Reconciliation

· Post customer payments accurately in the accounting system. br>
· Maintain updated records of receivables, client ledgers, and collection logs. br>
· Reconcile accounts receivable transactions monthly and resolve any discrepancies. br>
4. Reporting and Monitoring

· Generate and analyze AR Aging Reports weekly/monthly. br>
· Track and report problematic accounts or potential bad debts to immediate head br>
· Provide monthly updates on collection status and cash inflows to support treasury planning. br>
5. Compliance and Audit Support

· Maintain accurate and complete documentation for internal and external audits. br>
· Ensure compliance with BIR and other government regulatory requirements (e.g., issuance of Invoice and OR, 2307 Withholding Tax Certificates,. br>
· File and organize all related AR documentation for easy access and future reference. br>
6. Subcon Monitoring and Credit Memo

· Maintain accurate and updated records of Subcon Monitoring and Credit Memo br>
Maintain complete documentation of subcontractors.

Qualifications:

1. Bachelor’s degree in Accountancy, Finance, or any related field. < r>
2.At least 1-2 years of relevant experience in accounts receivable, preferably in the construction

3. Familiarity with progress billing, retention receivables, and construction project documentation is a strong advantage.

4. Proficient in MS Excel and accounting systems

5. Strong attention to detail and organizational skills.

Good communication and interpersonal skills, especially in dealing with clients and project teams

Work location: Valenzuela City