**Key Responsibilities** + Assess and monitor customer creditworthiness using financial analysis and credit reports. + Set and review credit limits in line with company policy. + Maintain accurate customer credit records and ensure compliance with internal controls. + Proactively follow up on overdue accounts via phone, email, and written communication. + Negotiate payment plans and resolve disputes to ensure timely recovery of outstanding amounts. + Escalate delinquent accounts for legal action or third-party collection when necessary. + Prepare aging reports and provide regular updates to management on collection status. + Accurately allocate customer payments to invoices in ERP/finance systems. + Investigate and resolve unidentified or short payments promptly. + Reconcile customer accounts and ensure all transactions are correctly recorded. + Liaise with internal teams (Sales, Customer Service) to resolve payment discrepancies. **Experience Requirements** + Bachelor’s degree in Finance, Accounting, or related field. + Minimum 2–3 years of experience in credit control and collections. + Solid knowledge of IT packages including Excel and Word. + Strong analytical and problem-solving skills. + Excellent communication and negotiation abilities. + Proficiency in ERP systems is a plus. **Skills Required** + Strong interpersonal skills with excellent written and verbal communication abilities. + Proven ability to organize, prioritize, and manage workflow to meet individual and team production standards. + High attention to detail with exceptional accuracy. + Ability to work effectively under pressure and on own initiative. + Strong analytical and problem-solving skills. + Excellent numeric and data interpretation skills. + Customer-focused with a proactive approach to process improvement. **About The Cigna Group** Doing something meaningful starts with a simple decision, a commitment to changing lives. At The Cigna Group, we’re dedicated to improving the health and vitality of those we serve. Through our divisions Cigna Healthcare and Evernorth Health Services, we are committed to enhancing the lives of our clients, customers and patients. Join us in driving growth and improving lives. _Qualified applicants will be considered without regard to race, color, age, disability, sex, childbirth (including pregnancy) or related medical conditions including but not limited to lactation, sexual orientation, gender identity or expression, veteran or military status, religion, national origin, ancestry, marital or familial status, genetic information, status with regard to public assistance, citizenship status or any other characteristic protected by applicable equal employment opportunity laws._ _If_ _you require reasonable accommodation in completing the online application process, please email:_ _SeeYourselfEMEA@cigna.com_ _for support. Do not email_ _SeeYourselfEMEA@cigna.com_ _for an update on your application or to provide your resume as you will not receive a response._