Credit Manager

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Position Summary
The Credit Manager will be responsible for leading and overseeing the company's credit and collections policies and processes, ensuring proper credit risk management, optimizing cash flow, and maintaining strong relationships with both internal and external clients.

Key Responsibilities

• Design, implement, and update credit policies and procedures aligned with the company's strategy.
• Evaluate and approve credit applications by analyzing clients' solvency and risk profile.
• Continuously monitor the customer portfolio to identify delinquency risks and propose action plans.
• Lead and coordinate the credit and collections team, ensuring achievement of recovery targets.
• Establish credit limits and payment terms in coordination with the commercial and finance areas.
• Prepare management reports on portfolio, aging, provisions, and risk levels.
• Negotiate payment agreements and special terms with strategic clients.
• Ensure regulatory and audit compliance across all credit and collection processes.
• Propose strategies to improve the cash conversion cycle and optimize working capital.

Requirements

• Bachelor's degree in Business Administration, Finance, Accounting, or related fields.
• Minimum of 3–5 years of experience in credit and collections management, preferably in consumer goods, industrial, or financial companies.
• Strong knowledge of financial analysis, credit risk, and local regulations.
• Proven experience leading teams.
• Advanced Excel skills and experience with ERP systems (NetSuite).
• Intermediate/advanced English.

Core Competencies

• Leadership and team management.
• Analytical skills and critical thinking.
• Negotiation and conflict resolution.
• Results-oriented with strong focus on KPIs.
• Effective communication and interpersonal skills.
• Professional ethics and decision-making under pressure.

About Monks
Monks is the global, purely digital, unitary operating brand of S4Capital plc. With a legacy of innovation and specialized expertise, Monks combines an extraordinary range of global marketing and technology services to accelerate business possibilities and redefine how brands and businesses interact with the world. Its integration of systems and workflows delivers unfettered content production, scaled experiences, enterprise-grade technology and data science fueled by AI—managed by the industry's best and most diverse digital talent—to help the world's trailblazing companies outmaneuver and outpace their competition.

Monks was named a Contender in The Forrester Wave: Global Marketing Services. It has remained a constant presence on Adweek's Fastest Growing lists , ranks among Cannes Lions' Top 10 Creative Companies and is the only partner to have been placed in AdExchanger's Programmatic Power Players list every year In addition to being named Adweek's first AI Agency of the Year (2023), Monks has been recognized by Business Intelligence in its 2024 Excellence in Artificial Intelligence Awards program in three categories: the Individual category, Organizational Winner in AI Strategic Planning and AI Product for its service Monks.Flow. Monks has also garnered the title of Webby Production Company of the Year , won a record number of FWAs and has earned a spot on Newsweek's Top 100 Global Most Loved Workplaces 2023.

We are an equal-opportunity employer committed to building a respectful and empowering work environment for all people to freely express themselves amongst colleagues who embrace diversity in all respects. Including fresh voices and unique points of view in all aspects of our business not only creates an environment where we can all grow and thrive but also increases our potential to produce work that better represents—and resonates with—the world around us.