Credit and Collections - Client & Business Support

The Work We Do

Teciem designs, builds, and delivers treasury and capital markets software solutions for financial institutions worldwide. We serve banks of every size and geography, offering the right setup for the right need.

Our solutions are designed to replace multiple disconnected systems with one complete, front-to-back platform, helping customers to capture trading and business opportunities quickly, clearly and with control. We cover the entire trading lifecycle, ensuring that everything - from execution to position keeping, to risk management – runs smoothly.

With decades of experience and one of the largest, most diverse client bases in the industry, we turn deep industry knowledge into software that covers most asset classes, meets complex real-world treasury and capital market's needs, and adapts as markets evolve.

What will you contribute?

As a Credit & Collections Analyst, you will play a critical role in optimizing cash flow, minimizing credit risk, and ensuring timely collection of accounts receivable across a portfolio of global customers. Working in a fast-paced and collaborative environment, you will partner closely with Sales, Customer Success, Finance, Legal, and Operations teams to drive collection effectiveness, resolve disputes, assess customer creditworthiness, and support business growth while maintaining strong customer relationships.

You will be responsible for maximizing cash collections, reducing overdue balances, minimizing bad debt exposure, improving DSO (Days Sales Outstanding), and supporting the organization's working capital objectives.

Responsibilities & Deliverables

As a member of the Credit & Collections team, your responsibilities will include, but are not limited to:

Collections & Accounts Receivable Management

Manage an assigned portfolio of customer accounts and ensure timely collection of outstanding invoices, credit notes, and deductions.

Execute collection activities using established collection strategies, policies, and procedures.

Monitor aged receivables and proactively drive resolution of overdue balances.

Conduct customer outreach through phone calls, emails, and meetings to secure payments and resolve collection issues.

Maintain accurate collection notes, customer commitments, and follow-up actions within designated systems.

Escalate delinquent accounts in accordance with company policies while balancing customer relationships.

Credit Risk Management

Perform customer credit reviews and evaluate creditworthiness using financial statements, credit reports, payment history, trade references, and other relevant information.

Recommend credit limits and payment terms based on risk assessments.

Monitor customer financial health and identify potential risks to collections and revenue.

Support periodic credit reviews and credit hold management processes.

Partner with Sales and Finance teams to mitigate credit exposure and reduce bad debt risk.

Dispute Resolution & Customer Partnership

Identify, track, and manage invoice disputes and deductions through appropriate case management tools.

Collaborate cross-functionally with Billing, Sales, Customer Success, Contract Management, Legal, and Tax teams to resolve root causes of non-payment.

Ensure disputes are resolved within agreed service levels to avoid aging and revenue delays.

Build strong customer relationships while maintaining a firm but professional approach to collections.

Cash Flow & Financial Analysis

Support cash forecasting activities through collection projections and payment trend analysis.

Prepare cash collection forecasts, variance analysis, and aging reports for management review.

Participate in weekly cash calls and provide insights on collection performance and risk areas.

Analyze customer payment behavior and recommend process improvements to improve collection outcomes.

Operational Excellence

Ensure compliance with company credit policies, SOX controls, accounting standards, and Standard Operating Procedures (SOPs).

Maintain data accuracy across Accounts Receivable, ERP, CRM, and Collections Management systems.

Support month-end and quarter-end closing activities related to receivables.

Identify opportunities for automation, process improvements, and operational efficiencies.

Share best practices and mentor junior team members where applicable.

Performance & Reporting

Drive achievement of key performance indicators including:

Days Sales Outstanding (DSO)

Past Due Receivables

Cash Collections

Collection Effectiveness Index (CEI)

Dispute Resolution Timelines

Bad Debt and Write-off Targets

Prepare and present receivable performance reports to management and business stakeholders.

Support audit requests and compliance reviews as required.

Required Experience & Qualifications

Bachelor's degree in Finance, Accounting, Commerce, Business Administration, or related discipline.

6+ years of experience in Credit Control, Accounts Receivable, Collections, or Order-to-Cash functions.

Fluent in English and other foreign language is an added advantage

Strong understanding of Accounts Receivable, collections processes, credit management, and cash application.

Experience managing collections for international customers across multiple regions.

Understanding of credit analysis, financial statement review, and risk assessment methodologies.

Basic accounting knowledge and understanding of revenue recognition principles.

Strong analytical and problem-solving skills with attention to detail.

Advanced Microsoft Excel skills (Pivot Tables, VLOOKUP/XLOOKUP, reporting, data analysis).

Experience with ERP systems such as SAP, Oracle, NetSuite or similar financial platforms.

Experience using collections management tools and CRM systems is preferred.

Ability to communicate effectively with senior stakeholders and external customers.

Strong negotiation, influencing, and conflict-resolution skills.

Ability to prioritize workload and manage multiple deadlines in a dynamic environment.

Demonstrated customer service mindset and professional integrity.

Team player with a proactive and continuous improvement mindset.

Preferred Qualifications

Experience in a multinational, technology, software, SaaS, or financial services organization.

Working knowledge of withholding tax regulations and international payment practices.

Knowledge of credit insurance, trade finance, and global credit management practices.

Professional certifications such as CICM, CICP, CPA, ACCA, CMA, or equivalent are advantageous.

Experience supporting transformation, automation, or process improvement initiatives.

Familiarity with Power BI, Tableau, or reporting tools is a plus.

Key Competencies

Credit Risk Assessment

Collections & Cash Flow Management

Customer Relationship Management

Dispute Resolution

Financial Analysis

Negotiation & Influencing Skills

Business Partnering

Diverse Minds, Shared Ambition

At Teciem, we believe that our strength comes from the diversity of our people. Different perspectives, backgrounds, and experiences fuel our innovation and help us build solutions that truly make a difference in the world of financial technology.

We’re committed to creating a workplace where everyone feels respected, heard, and empowered to grow. Here, you can bring your whole self to work, contribute your unique ideas, and be part of a team driven by shared ambition.

We welcome talent from all walks of life and encourage applications from individuals of all genders, races, ages, abilities, identities, and beliefs. Together, we’re shaping a culture where diversity isn’t just celebrated — it’s essential to our success.