OTC CREDIT AND COLLECTIONS ANALYST Job

Mission Details

•    Credit and Collections Analyst is responsible for assessing the creditworthiness of customers, managing outstanding accounts receivable, and ensuring timely collection of payments to minimize financial risk for the company.
•    The primary mission of a Credit and Collections Analyst is to evaluate customer credit risk, establish appropriate credit limits, and ensure efficient collection of outstanding payments while maintaining strong customer relationships and supporting business growth.
•    Ensure compliance with all internal controls while delivering activities against agreed service levels.

Credit Risk:
    Monitor credit exposure and recommend risk mitigation strategies, such as payment guarantees or credit insurance.
    Update the systems with this information.
    Assign and regularly review customer credit limits and terms based on risk analysis.
    Support the business in their risk decisions in releasing orders.
    Prepare credit reports, maintain accurate records, and ensure compliance with company policies
Collections
    Monitor aging reports and follow up on overdue invoices via email, phone, and other communication channels.
    Work closely with customers to resolve issues and ensure timely payments.
    Coordinate with internal teams (sales, customer service, legal) to ensure smooth collections processes

Required Profile

OTC Credit & Collections Analyst – Tier II
Perform broader and more complex set of Accounts — no change in tasks scope.
Proficient competency — consistently performs tasks independently, accurately and adapt to changes.
- Full working knowledge of OTC credit and collections systems and policies.
- Understands root causes of payment delays and implements preventive actions.
- Shares knowledge and best practices with peers.
Exceeds quality standards consistently; optimizes own work for efficiency and continuous improvement.
Anticipates and resolves recurring credit or payment issues independently; uses sound judgment within established parameters.Provides guidance to junior analysts.
Minimal — supervisor reviews outcomes, not processes.
- Communicates clearly and professionally with cross-functional stakeholders.
- Coaches or supports peers informally.
- Demonstrates agility and continuous learning
Exercises discretion within established credit policies and collection parameters.
Identifies recurring customer payment trends and proposes preventive measures to improve collection effectiveness.
Typically, 4 -7 years; demonstrates full role proficiency and serve as reference point to peers