Credit & Collection Analyst

Introduction

At IBM Finance & Operations, we are the backbone of IBM’s transformation driving efficiency, transparency, and smart decision-making across the business. Our teams provide the insight and discipline that guide strategy, ensure financial strength, and enable IBM to invest in innovation and growth. Working in Finance & Operations means combining analytical skills with collaboration and curiosity. You’ll partner with colleagues across functions and geographies, using data, technology, and process excellence to create solutions that improve performance and deliver measurable impact. IBM offers continuous learning, career development, and a culture that values diverse perspectives. Join us and be part of a global team that keeps IBM moving forward, while building your own future in a dynamic and evolving environment.

Your Role And Responsibilities

As a Quote to Cash Professional, you will provide Credit & Collection support to the team.

Your Primary Responsibilities Will Include

• Meet defined SLAs for setting up billing schedules, sending out invoices and statements, and responding to inquiries. Financial statement analysis, cash application etc
• Financial statement analysis to be completed timely and accurately and to recommend Credit Limit for Customers
• Financial reviews and credit limit recommendation to be completed as per policy
• Prepare accurate reportings in excel and google sheet
• Follow the company's collections process, including reaching out to customers by email (and phone when applicable) and engaging account managers when necessary to resolve billing issues
• Perform month-end activities related to accounts receivable
• Perform billing adjustments within the framework of established policy, including working with accounting to ensure revenue recognition is accurate
• Participate in financial audit activities
• Identify areas for process improvement that will reduce day sales outstanding and improve customer satisfaction
• Handle global cash receipts and payment applications
• Assist team members with month-end reporting and reconciliations within designated time frames
  
  

Preferred Education

Bachelor's Degree

Required Technical And Professional Expertise

• Accounts receivable experience (Credit analysis/Collection/Cash application)
• Experience in Financial Statement reviews and recommendation of Credit limit to customers
• Experience in ERP environment is required, and Oracle 11i or R12 experience is a plus
• Excellent verbal and non-verbal communication skills
• Familiarity with working in a global environment
• Ability to collaborate with internal associates as well as customers and auditors etc.
• Excellent customer services skills and a friendly and professional attitude
• Ability to prioritize your work and work well under pressure while maintaining a high attention to detail
• Capability to work independently and proactively with minimal direction or supervision
  
  

Preferred Technical And Professional Experience

• Experience in Credit analysis & Collection
• Experience in Financial Statement reviews and recommendation of Credit limit to customers
• Experience in ERP environment is required, and Oracle 11i or R12 experience is a plus
• Excellent verbal and non-verbal communication skills
• Ability to prioritize your work and work well under pressure while maintaining a high attention to detail
• Capability to work independently and proactively with minimal direction or supervision