Associate, Credit Management

Job description

An empowering career at Singtel begins with a Hello. Our purpose, to Empower Every Generation, connects people to the possibilities they need to excel. Every "hello" at Singtel opens doors to new initiatives, growth, and BIG possibilities that takes your career to new heights. So, when you say hello to us, you are really empowered to say…“Hello BIG Possibilities”. Singtel is where Technology meets Purpose. We're building an AI-first telco for the future—connecting people, businesses and communities through trusted networks, intelligent digital services and next-generation technology. From transforming everyday experiences in mobile, broadband, entertainment and lifestyle services to enabling enterprises with AI, 5G+, cloud, cybersecurity, data centres and digital platforms, we create the technology that powers how millions live, work and connect. At Singtel, your work creates real impact. You'll solve meaningful challenges, shape critical digital infrastructure and help build secure, resilient and AI-enabled solutions that serve businesses, digital ecosystems and communities across the globe. This is where BIG Possibilities become reality. Whether you're engineering intelligent networks, advancing sovereign AI cloud platforms, strengthening cybersecurity, designing seamless customer experiences or driving sustainable innovation, you'll be part of teams shaping the future of technology. Backed by decades of expertise and driven by a culture of continuous learning and innovation, Singtel offers the scale, opportunities and support to help you grow your career while making a difference where it matters most. How You will Make An Impact: The role is responsible for safeguarding the organisation's credit exposure, optimising cash collection, ensuring accurate financial reporting and receivables governance, driving process improvements, and leading a high-performing team. Key Responsibilities Credit Assessment, Credit Management and Accounts Receivable functions. Develop and implement credit policies, collection strategies and receivables governance. Lead, coach and develop the Credit Risk & Receivables team. Partner with Sales, Finance, Billing, Treasury, Legal and business stakeholders. Credit Management & Collections Drive collection performance and achievement of DSO and ageing targets. Review ageing reports and oversee recovery strategies for overdue accounts. Manage escalated disputes, payment negotiations and debt recovery activities. Lead debt review meetings and oversee SOA issuance and customer reconciliations. Monitor doubtful debts and recommend recovery or write-off actions. Accounts Receivable & Reporting Oversee end-to-end Accounts Receivable operations including receipt processing, reconciliations and payment allocation. Ensure timely month-end and year-end close activities for receivables. Review BlackLine reconciliations, journal entries and balance sheet reconciliations. Prepare and review bad debt provisions in accordance with accounting policies. Prepare management reports, AR ageing analysis, cash collection performance dashboards and KPI reporting. Support budgeting, free cash flow forecasting and working capital management. Provide accurate reporting and analysis to senior management to support decision-making. Credit Assessment & Risk Management Assess creditworthiness of new and existing customers using financial statements, payment history and external credit information. Review and approve credit limits, payment terms and risk mitigation measures within delegated authority. Conduct periodic credit reviews and monitor portfolio risk exposure. Recommend bank guarantees, deposits, credit holds or other risk controls where appropriate. Balance commercial objectives with prudent credit risk management. Governance, Audit & Process Improvement Ensure compliance with accounting standards, internal controls and company credit policies. Lead internal and external audit engagements relating to Credit and Receivables. Drive automation, digitalisation and continuous process improvement initiatives. Develop reporting dashboards and enhance operational efficiency. Skills for Success: Bachelor’s degree in accounting, Finance, Business or a related discipline. Minimum 5 years of relevant experience in Finance and/or Accounting. Experience in Accounts Receivable, Credit Assessment, Credit Management, financial reporting, reconciliations, and month-end closing. Good understanding of accounting principles, financial reporting, internal controls, and credit risk management. Experience in preparing AR ageing reports, bad debt provisions, cash flow forecasts, and management reports. Proficiency in Microsoft Excel and ERP systems (e.g. SAP, Citrix); experience with Blackline or similar reconciliation tools is an advantage. Strong analytical, problem-solving, communication, and stakeholder management skills. Ability to work independently, manage multiple priorities, and collaborate effectively across functions. Are you ready to say hello to BIG Possibilities? Join Singtel to shape what's next and accelerate your career through meaningful work, continuous learning, and real impact.