Job Summary The Credit & Collections Analyst is responsible for managing customer credit risk and ensuring timely collection of outstanding receivables. This role analyzes creditworthiness, establishes credit limits, monitors accounts receivable aging, and partners with internal teams and customers to resolve payment issues. The ideal candidate combines strong analytical skills with excellent communication to maintain healthy cash flow while supporting customer relationships. Key Responsibilities Evaluate customer creditworthiness through financial analysis, credit reports, payment history, and other risk indicators. Establish and maintain appropriate credit limits in accordance with company policies. Monitor accounts receivable aging reports and proactively follow up on past-due balances. Contact customers via phone and email to resolve outstanding invoices and secure timely payments. Investigate and resolve billing discrepancies and payment disputes in collaboration with Sales, Customer Service, and Finance teams. Maintain accurate customer account records and documentation in the credit management system. Prepare reports on credit exposure, aging trends, collection performance, and bad debt risk. Recommend accounts for credit hold, adjustments, or escalation when necessary. Support month-end closing activities related to accounts receivable and collections. Ensure compliance with company policies, internal controls, and regulatory requirements. Qualifications Bachelor’s degree in Finance, Accounting, Business Administration, or related field. 1- 4 years of experience in credit analysis, accounts receivable, or collections. Strong understanding of credit risk assessment and accounts receivable processes. Experience working with SAP Proficiency in Microsoft Excel and financial data analysis. Strong negotiation and communication skills. Detail-oriented with strong organizational and problem-solving abilities. Ability to manage multiple priorities in a fast-paced environment. Preferred Qualifications Experience in B2B credit and collections environments. Knowledge of financial statement analysis. Experience working in shared service or global finance environments. Knowledge of LATAM business practices and payment behaviors. Familiarity with credit insurance, collections agencies, or risk mitigation tools. Key Competencies Analytical thinking Customer relationship management Negotiation and conflict resolution Attention to detail Time management and prioritization