Senior Credit Analyst

The Senior Credit & Collections Analyst is responsible for leading end-to-end Order-to-Cash activities, combining credit risk management, proactive collections, and hands‑on application to improve cash performance, reduce risk, and ensure accuracy in a fast‑paced, global environment. This position plays a key role in driving cash performance, improving working capital, and strengthening credit and collections processes across a complex, global customer base. Key Responsibilities Credit Risk Management Assess and analyse the creditworthiness of new and existing customers Review and propose credit limit changes, ensuring approvals are obtained in line with delegated authority levels Obtain and evaluate credit and bank references where required Recommend credit decisions based on risk assessment Work with Sales and Customer Care to identify alternative solutions where credit terms cannot be extended Ensure adherence to company policies and delegated authority levels, seeking approvals in a timely manner Collections & Accounts Receivable Manage a high‑volume portfolio of customer accounts to ensure timely collections Manage accounts across multiple countries and currencies Carry out structured collection activities, including follow‑ups and escalation of overdue balancesInvestigate and resolve invoice disputes, deductions, and short payments Support the reduction of aged debt and improvement of collection performance Support month‑end reporting requirements Cash Application & Reconciliation Perform timely and accurate cash application within SAP Allocate payments and ensure correct matching to customer accounts Reconcile unapplied cash and investigate discrepancies Maintain accuracy of the accounts receivable subledger and support month‑end close Stakeholder Management Work closely with Sales, Customer Care, Operations, Finance, and Legal teams to resolve issues Engage with customers to address payment queries and escalations Work with external credit agencies to support the assessment and determination of customer credit worthiness Reporting & Process Improvement Use SAP and collections systems to monitor AR ageing and account activity Support the preparation of AR and collections reporting Identify and support process improvements to increase efficiency and control Support ad hoc credit, treasury, or cross‑functional projects as required Qualifications Bachelor’s degree in Accounting, Finance or related field (or equivalent experience) Minimum 6 years’ experience of credit, collections, and accounts receivable within a high‑volume environment Skills & Competencies Strong attention to detail and accuracy, combined with a proactive, hands‑on approach Ability to manage multiple priorities in a high‑volume environment Experience working in a multi‑entity and multi‑currency environment Strong SAP experience (FI/AR module) in an Accounts Receivable / Order‑to‑Cash environment Experience with collections or receivables management systems Advanced Excel skills (pivot tables, lookups, data reconciliation & large dataset analysis) Solid understanding of accounts receivable processes, including collections, cash application and reconciliation Experience allocating cash, resolving unapplied cash and investigating discrepancies, including variance analysis Experience managing customer collections and resolving payment issues Strong stakeholder management and communication skills Understanding of credit risk principles Strong analytical and problem‑solving skills #J-18808-Ljbffr