Credit Analyst

Job Overview:

The Credit Analyst is responsible for driving effective credit risk management, strategic collections, and continuous process improvement initiatives across the Credit Management function.

The role requires strong analytical capabilities to assess credit exposures, identify risk trends, provide actionable insights, and support data-driven decision making to enhance collection performance, operational efficiency, controls, and customer experience. The role also partners closely with cross-functional stakeholders to improve processes, strengthen credit governance and policies, resolve complex customer and billing issues.

We are seeking a proactive and analytical individual who thrives in a fast-paced environment, enjoys solving complex business and operational challenges through data and critical thinking, and has a strong passion for continuous improvement, stakeholder collaboration, and customer service excellence.

Your work life:

• 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.

• Educate and support operational teams on new processes, systems, and ways of working.

• Review and enhance credit policies and procedures to ensure alignment with business objectives, risk appetite, regulatory requirements, and industry best practices.

• Perform credit assessments and reviews in accordance with established credit policies and risk appetite.

• Prepare monthly ageing report and weekly collection report, analyze credit exposures, collections performance and ageing trends. Identify key risk areas, provide actionable insights and recommend improvement strategies.

• Support audits by providing accurate documentation and responding promptly to audit requests.

• Manage and oversee collection activities for assigned strategic customer accounts, requiring in-depth analysis of customer payment behaviour, commercial arrangements, and dispute drivers to develop effective collection and resolution strategies.

• Collaborate closely with customers, Sales, and Operations teams to resolve complex billing and credit issues, drive timely collections, and achieve DSO performance targets.

To be considered, you'll need:

• Education: Degree in Accounting/ Finance or equivalent professional qualifications of CIMA, ACCA, ICAEW, or CPA.
• Experience: Ideally with at least 5 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.