Job Summary: We are seeking an analytical and proactive Credit and Collections Analyst to evaluate the financial viability of credit lines and ensure timely recovery of overdue receivables. Key Highlights: 1. Responsible for evaluating financial viability and ensuring portfolio recovery. 2. Maintaining a healthy cash flow and minimizing the risk of non-collectibility. 3. Negotiating and refinancing with delinquent customers to safeguard company interests. We are looking for an analytical, proactive, and highly skilled negotiator to join our Administration and Finance team as a **Credit and Collections Analyst**. In this role, you will be responsible for evaluating the financial viability of credit lines granted to our corporate clients and partner agencies, as well as ensuring timely recovery of overdue receivables. Your primary objective will be to maintain a healthy cash flow for the company, minimize the risk of non-collectibility, and ensure that collection activities are conducted in accordance with the highest standards of customer service and commercial loyalty. **Main Responsibilities** * **Credit Risk Assessment:** Analyze and assess credit applications from travel agencies, corporate clients, and wholesale customers by reviewing their financial history and determining appropriate credit limits and payment terms. * **Collections Portfolio Management:** Continuously monitor and manage the collection of invoices issued for tourism services (packages, air tickets, hotel reservations), ensuring adherence to agreed payment schedules. * **Negotiation and Refinancing:** Directly contact and negotiate with delinquent customers to establish payment commitments, refinancing arrangements, or other viable solutions that protect the company's interests. * **Payment Reconciliation and Application:** Verify deposits, bank transfers, and online payment gateways to correctly apply payments to customers' current accounts within the system. * **Management Reporting:** Prepare and interpret periodic reports on portfolio status (aging of debt, provisions, delinquency ratios) for the Finance Department Head. * **Commercial Coordination:** Collaborate closely with the Sales and Tourism Operations teams to coordinate service suspension or reactivation in response to critical payment delays. **Requirements** * **Academic Qualification:** Bachelor’s degree or equivalent in Accounting, Business Administration, Economics, Industrial Engineering, or related fields. * **Experience:** Minimum 3–5 years of proven experience as a Credit and Collections Analyst. Prior experience in tourism sector companies (wholesale tour operators, retail/receptive travel agencies, hotel chains) or in high-volume intangible service industries will be highly valued. * **Technical Knowledge:** * Intermediate-to-advanced proficiency in Microsoft Excel (pivot tables, lookup formulas, and logical functions for account reconciliation). * Familiarity with commercial ERP systems (Accounts Receivable modules in SAP, Oracle, StarSoft, or tourism-specific systems). * Solid understanding of basic financial statement analysis and credit bureau reports (Infocorp/Equifax, Sentinel). * **Competencies:** Strong negotiation skills, attention to detail, assertive communication at all levels, customer empathy, and results orientation. Work Location: On-site employment
María García
Indeed · HR
María García
Indeed · HR
