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About the Role
As a Credit Manager, you’ll lead credit risk and collections strategy to protect revenue, optimize cash flow, and strengthen customer relationships. You’ll design and refine credit policies, evaluate creditworthiness, set limits and terms, and guide a high-performing team to reduce DSO and bad debt. Partnering with Finance and Commercial, you’ll align risk with growth, ensure audit/regulatory compliance, and deliver clear portfolio insights to leadership.
Responsibilities
- Design, implement, and refine credit and collections policies aligned with company strategy.
- Analyze credit applications, assess solvency and risk, and establish limits and payment terms.
- Monitor portfolio aging to detect delinquency risk and drive action plans.
- Lead and coach the credit and collections team to meet recovery and CEI targets.
- Partner with Sales/Finance to balance risk and growth; negotiate payment plans with key clients.
- Prepare management reports on aging, provisions, write-offs, and risk exposure.
- Ensure regulatory and audit compliance across processes and controls.
- Improve cash conversion cycle and working capital via process and policy enhancements.
- Leverage advanced Excel and NetSuite ERP to automate and improve reporting.
About You
Qualifications & Skills
- Bachelor’s in Business Administration, Finance, Accounting, or related field.
- 3–5+ years in credit and collections management (consumer goods, industrial, or financial services preferred).
- Strong financial analysis and credit risk expertise; knowledge of local regulations.
- Proven team leadership and stakeholder management with Sales/Finance.
- Advanced Excel (pivots, lookups, Power Query/modeling); ERP experience (NetSuite preferred).
- Negotiation/conflict resolution; results-driven with KPI focus (DSO, CEI, bad debt).
- Intermediate/advanced English; high professional ethics and sound judgment under pressure.
At .Monks, we believe in fostering an environment where a diversity of perspectives can thrive. We proactively work to design hiring processes that promote equity and inclusion while mitigating bias. We celebrate diversity and are committed to building a team that reflects the communities we serve. We welcome and encourage qualified applicants from all backgrounds, who are excited to contribute to our mission.
#LI-Hybrid #LI-MO1
About Monks
Monks is the global, digital-first, data-driven, unitary operating brand of S4 Capital plc. With a legacy of innovation and specialized expertise, Monks combines an extraordinary range of global Marketing and Technology Services to redefine how brands interact with the world. Through Monks.Flow, its flagship AI ecosystem for marketing orchestration, Monks transforms marketing into a growth engine, collapsing timelines and connecting brands to culture in real time. By deploying bespoke intelligent agents across disciplines and delivering culturally relevant, high-impact creative and digital solutions, Monks solves key critical business challenges across the entire brand enterprise to help brands sustain long-term impact.
Monks was named a Contender in The Forrester Wave™: Global Marketing Services, ranks among Cannes Lions' Top 10 Creative Companies (2022-25) and remains the only partner featured in AdExchanger’s Programmatic Power Players list every year (2020-24). Named Adweek’s first AI Agency of the Year (2023) and The One Show’s inaugural AI Pioneer Organization, Monks was also awarded Business Intelligence Group’s 2025 Excellence in Artificial Intelligence Award in both the Organizational and AI Product categories. As a trusted partner to cutting-edge innovators in tech, Monks earned titles such as Optimizely Experimentation Partner of the Year (2025), runner-up for the Adobe Firefly Partner Award (2024), and Workato’s AI Visionary Customer Impact Award (2024). Additionally, Monks achieved a record-breaking number of FWAs and continues to hold the most of any partner.
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.
