Credit and Collection Analyst

A career in IBM Consulting is built on long-term client relationships and close collaboration worldwide. You’ll work with leading companies across industries, helping them shape their hybrid cloud and AI journeys. With support from our strategic partners, robust IBM technology, and Red Hat, you’ll have the tools to drive meaningful change and accelerate client impact. At IBM Consulting, curiosity fuels success. You’ll be encouraged to challenge the norm, explore new ideas, and create innovative solutions that deliver real results. Our culture of growth and empathy focuses on your long-term career development while valuing your unique skills and experiences.

As a Credit and Collection Analyst, you are responsible for handling OTC transactional tasks in the area of customer masterdata and credit management, billing and invoicing, deductions, order processing, cash application, cash collection and dispute management according to agreed procedures, process maps and Desk Top Procedures or other guidelines agreed with the client. You must establish and/ or maintain good relationship with client personnel, ensure that daily activities are fulfilled according to the timetable, procedures and business goals as agreed with Team Leader or Operations Manager and deliver services as necessary in order to meet the SLAs and OLAs requirements from the area of your responsibility. This role requires strong analytical skills, process improvement expertise, and cross-functional collaboration to enhance cash flow and working capital. Your Roles and Responsibilities Environment Ability to cope with different situations, different requirements, uncertainty and stress; ability to modify goals and directions when needed. Problem solving Accurately accumulating information and its analysis; forecasting potential problems and planning; allowing for alternative, creative solutions and identifying most reasonable solutions. Communication Clear and concise in oral and written communication; attentive listening focused on understanding; adjusting the style of speech to the situation and to the audience; understanding and making use of accessible communication tools. Effective cooperation with different units and teams inside and outside IBM; mutually respective and appreciating differences; building and strengthening relations; finding solutions favorable for both sides. Impact Striving for ambitious goals and continuously seeking better results by overcoming challenges along the way and proactively expanding knowledge. Taking ownership by identifying needs, making informed decisions, and assuming responsibility for tasks and outcomes. Per Process: Credit, Collections, Disputes and Deductions: Monitor assigned client portfolio and follow up with customers for overdue invoices. Assist in resolving disputes or payment issues. Maintain records of customer transactions and payment status Adherence to the OTC Collections process within policy, with specific reference to prompt collection and escalation actions. Achieve collections targets as defined by Team Leader, Manager and contractual SLAs or OLAs (CPI, KPI, GPI etc.). Assist in reviewing customer credit limits and payment terms. Flag potential credit risks to team lead or manager for issue resolution. Maintain records of credit approvals and adjustments. Handle customer disputes related to pricing, billing, and deductions Maintain strong relationships with key customers to enhance payment processes. 1.) Graduate of BS Accountancy, Finance, Business, Economics, or other related management degrees with 2 to 4 Yrs of work experience. At least > 2 years in Account Receivable processes. At least 2-year experience in BPO setting. 2.) Excellent understanding or working knowledge of general finance and various finance concepts and principles. 3.) Advanced knowledge and understanding on Customer Masterdata Management, Order and Credit Management, Billing and Invoicing, Collections and Disputes, Deductions and Cash Application. 4.) Good knowledge and hands on experience in any related Accounting Software: SAP, Oracle, SalesForce or any large-scale ERP system is an advantage. 5.) Reliable experience in monitoring customer account statuses and results regarding cash application, customer masterdata set up and maintenance, billing or order management. 6.) Team Player - Experience in participating and collaborating in team meetings to gather/share information 7.) Ability to work independently in a fast - paced, dynamic setting while maintaining accuracy, prioritize tasks, manage multiple priorities and delivering against tight deadlines. Ability to achieve individual and Business metrics 8.) Demonstrated experience in meeting all baseline and project goals for accuracy and timeliness. 9.) Strong problem solving and analytical skills, results – oriented, Excellent follow up; negotiation, and trouble - shooting skills, good relationship - building skill 10.)Excellent written, oral and interpersonal communication skills. Advanced knowledge and skills in MS Excel. Philippines Enterprise Operations Professional QUEZON CITY, PH