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Job Purpose and Impact

The Credit Manager will be responsible for managing and optimizing credit and collections processes, ensuring timely and accurate processing of credit reviews, customer risk mitigation, AR ageing and BD monitoring and recovery, provisions, ensuring timely reporting with accuracy and maintaining strong relationships with customers and internal and external stakeholders.

Key Accountabilities

•    Credit Management: Develop and implement credit policies and procedures. Evaluate creditworthiness of customers, set credit limits, and monitor credit exposure
•    Collections: Oversee the collections process, including contacting customers for overdue payments, negotiating payment plans, and resolving disputes
•    Risk Mitigation: Identify potential credit risks, conduct thorough risk assessments, and develop & adopt strategies to mitigate financial exposure through risk mitigation tools including Bank guarantees, LC, collateral management, etc
•    Team Leadership: Manage and mentor the credit and collections team, ensuring high performance and adherence to company policies
•    Reporting: Prepare and analyze reports on credit and collections performance, providing insights and recommendations to senior management, CRM groups, SDLs
•    Compliance: Ensure compliance with local, state, and federal laws regarding credit and collections practices
•    Innovations: Be creative & proactive in partnering with global Opex teams to drive business solutions, bandwidth management of team members, automations in delivery and manage project timelines for delivery
•    Stakeholder Management: Manage a team of credit & collection specialists, Collaborate with sales, finance, Trade execution, CRM group, global teams, etc to meet business expectations and organizational goals

Qualifications

Education:
•   Bachelor's degree in Finance, Accounting, MBA in Finance, or related field

Experience: 
•    Minimum of 7-10 years of experience in credit and collections management, with at least 3 years in a people manager role in a corporate
•    Exposure to Vietnam geography and customer demographics
•    Significant expertise in Credit management, financial analysis, developing collection strategies & monitoring, experience of working with a product based corporate preferred
•    Understanding of customers in Agri sector, preferably in swine farming & the industry-specific financial metrics and risks would be a bonus

Skills: 
•    Knowledge of credit risk assessment tools & techniques and collections practices in Vietnam
•    Strong analytical and problem-solving skills, be inquisitive and agile
•    Excellent communication (in Vietnamese & English) and negotiation abilities
•    Proficiency in Microsoft Office Suite and ERP systems, Power BI, Excel, PPT preferred
•    Ability to work independently and as part of a global team, motivate and able to give appropriate directions to team on risk mitigation and collection strategies
•    Attention to detail and strong organizational skills
•    Understanding of the Vietnamese financial and regulatory environment
•    Willing to travel to customer locations