Head of Credit

2 days ago


Shah Alam, Selangor, Malaysia TIME dotCom Berhad Full time 80,000 - 120,000 per year

Position reports to:
Head of Finance, Wholesale

Job Overview:

We are looking for a strategic finance and analytics leader to manage the Credit, Collection and Analytics function for the Wholesale Business. The role requires a strategic mindset with strong analytical capability, a passion for continuous improvement, and a commitment to customer service excellence.

We're seeking someone who thrives in a fast-paced environment, enjoys problem-solving through data, and builds strong stakeholder relationships to achieve sustainable business results.

Responsibilities:

  • Lead the overall
    credit strategy, policy, and governance framework
    to ensure alignment with the company's risk appetite and business objectives.
  • Oversee the
    credit assessment and approval process
    for new and existing customers, ensuring sound risk evaluation and compliance with internal policies.
  • Drive the
    collection strategy and performance management
    , setting clear KPIs and ensuring effective tracking of DSO and cash collection targets.
  • Provide
    leadership and guidance
    to the Credit and Collection teams, fostering a high-performance culture focused on proactive risk management and customer engagement.
  • Oversee the resolution of
    disputes, account reconciliation and overdue accounts
    , ensuring sound commercial decisions that protect the company's financial interests.
  • Review and recommend credit and payment terms
    in customer agreements to mitigate credit exposure.
  • Utilize
    data and analytics
    to identify credit trends, optimize collection effectiveness, and provide actionable insights to management.
  • Continuously enhance
    process efficiency, automation, and reporting
    to support scalability and improve operational outcomes that minimizes billing and collection issues.
  • Oversee
    bad debt recovery strategies
    to minimize provisions and write-offs.
  • Manage engagement with
    external collection agencies and legal counsel
    to drive effective recovery outcomes.
  • Monitor
    blacklisting processes
    to prevent future exposure and revenue leakage.
  • Oversee
    timely and accurate reporting
    of key credit and collection metrics, including DSO, ageing analysis, and collection performance.
  • Provide
    data-driven insights and analytics
    to senior management to support strategic decision-making and continuous improvement.
  • Ensure ad hoc and periodic reports are delivered with high accuracy and actionable recommendations.
  • Drive
    process improvement and automation initiatives
    to enhance productivity, accuracy, and efficiency across credit and collection operations for operational excellence.
  • Collaborate cross-functionally with
    billing, sales, and finance teams
    to streamline workflows and resolve systemic issues affecting collection performance.

Requirements:

Experience

  • Degree in Accounting/ Finance or equivalent professional qualifications of CIMA, ACCA, ICAEW, CPA, etc
  • Minimum 5 years experience across Credit Management, Accounts Receivable Management and Data Analytics in a business to business environment
  • Proven experience in leading a team and stakeholder management
  • Strong business acumen and background in process improvement
  • Strategic thinking, with the ability to think ahead, anticipate problems, issues and solutions

Core Competencies

  • Exceptional communication skills in English (written and verbal)
  • Strong customer service orientation with negotiation skills
  • Proven ability to work under pressure and meet deadlines
  • Able to work independently with minimum supervision
  • Analytical mindset with strong problem-solving capabilities
  • Detail-oriented with high accuracy standards
  • Adaptable with continuous improvement mindset
  • Advanced PC skills (MS Excel, Word, and PowerPoint) are required.

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.


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