Credit and Collections Specialist

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About The Role
We are looking for a Credit & Collections Specialist to own the full order-to-cash credit cycle — from deciding the terms on which we extend credit to customers, through monitoring risk, to ensuring timely collection of receivables. This is a combined credit-control and collections role: you will not only chase outstanding payments but also shape the policy that governs how we grant credit in the first place.

Key Responsibilities
Assess the creditworthiness of new and existing customers using financial statements, credit reports, payment history, and external risk data Assign and review credit limits and payment terms for customers, balancing commercial goals against risk exposure Design, document, and maintain the company's credit policy, and recommend updates as the business and risk environment evolve Monitor the accounts receivable ledger and produce regular aging reports Proactively contact customers to secure timely payment; negotiate payment plans where appropriate Investigate and resolve invoice disputes and account discrepancies in coordination with Sales and Customer Service Manage the dunning process and escalate delinquent accounts to legal or external collection agencies as needed Track and report on key metrics (DSO, overdue balances, bad-debt provisions) to finance leadership Support month-end closing and reconciliation of receivables Qualifications Degree in finance, accounting, economics, or a related field (or equivalent experience) Proven experience in credit control, collections, or accounts receivable Solid understanding of credit risk assessment and financial statement analysis Strong negotiation and communication skills; comfortable holding firm but professional payment conversations Proficiency with ERP / accounting software and strong Excel skills Attention to detail and a structured, policy-minded approach Working proficiency in Estonian and English Who We're Looking For Experience defining or overhauling a credit policy Familiarity with credit insurance and export/B2B credit practices Knowledge of EU debt-collection and insolvency processes

What We Offer
A fast-paced, multicultural work environment with room for professional growth Competitive salary and new opportunities provided by fast growth Health and wellness support through Siffi.com and Stebby.eu Employee discounts on premium beauty products distributed by the company Flexibility to take on varied finance and operational responsibilities as the business evolves A key role in a growing international beauty company

About Us
Orien Trade is one of Europe’s fastest-growing distributors of Korean and Japanese skincare and beauty brands, currently active about 30 countries. We’re on a mission to bring high-quality beauty products to market while building a fast, thoughtful, and agile organization.