DKSH Hiring! Full Time Senior Executive Credit Control in - Ricebowl

Credit Control Senior Executive

Finance – Credit Control

Geographic Scope: Singapore (Country)

Job Summary
Responsible for end-to-end Accounts Receivable and credit risk management within assigned portfolio(s). Ensure disciplined execution of credit governance, proactive risk monitoring, timely collections, and cross-functional issue resolution. This role requires hands-on operational ownership, commercial judgement, and the ability to work across Business Units, Customer Care, SCM and clients to protect working capital and minimise credit exposure.

Key Responsibilities

• Credit Governance & Risk Assessment
• Perform structured credit assessment for new and existing customers, including financial analysis, trade references and risk profiling
• Recommend credit limits and payment terms based on risk fundamentals and business exposure
• Monitor portfolio exposure against approved limits and escalate deviations in a timely manner
• Ensure strict adherence to credit policy, Limit of Authority (LoA), and internal controls
• Collections & Working Capital Management
• Drive collection activities to achieve DSO and overdue targets
• Analyse ageing, payment patterns and PTAT trends to identify early warning signals
• Engage customers professionally to resolve disputes, reconcile balances and secure payment commitments
• Escalate high-risk accounts with clear risk assessment and recovery recommendation
• Commercial Support & Stakeholder Management
• Partner Business Units to balance growth objectives with risk discipline
• Provide risk commentary for credit limit reviews, instalment structures, and special commercial arrangements
• Support renegotiation of payment plans and structured settlements where required
• Participate in customer meetings when credit risk discussion is required
• Process Discipline & Continuous Improvement
• Drive operational discipline in AR housekeeping, clearing, and account reconciliation
• Identify inefficiencies and propose process improvements
• Support automation initiatives (RPA, system enhancements, workflow optimisation)
• Participate in UAT, process redesign, and control strengthening initiatives
• Reporting & Analytics
• Prepare structured portfolio reviews highlighting overdue trend, exposure concentration, high-risk accounts and provision recommendations
• Provide data-backed analysis to support management decision making
• Manage strategic or high-risk accounts with elevated exposure
• Lead workgroups with BU / customers to resolve systemic collection issues
• Drive RPA or automation deployment to realise efficiency gains
• Mentor junior team members and review risk assessments before escalation
• Contribute to process standardisation across Business Units
  
  
  

Functional Competencies

• Strong understanding of credit risk fundamentals and working capital drivers
• Ability to interpret financial statements and assess repayment capacity
• Commercial acumen with balanced growth and risk judgement
• Structured problem-solving and analytical capability
• Ability to manage difficult conversations professionally
• Hands-on operational mindset
• SAP experience preferred (Fiori / AR modules exposure is an advantage)
• Strong Excel proficiency (pivot, analysis, reconciliation)
  
  
  

Behavioural Expectations

• Exercises sound judgement under pressure
• Escalates early and communicates clearly
• Fact-based and structured communicator
• Accountable for portfolio outcomes
• Continuous improvement mindset
  
  
  

Education & Experience – Senior Executive

• Degree in Accounting, Finance or related discipline
• 5–8 years AR / credit control experience in structured commercial setting
• Exposure to high-value portfolios or strategic accounts preferred