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