Michael Angelo Pangan
@michaelangelopangan
Credit Control Professional with 15+ years optimizing cash collection and reducing bad-debt risk globally.
PhilippinesWhat I'm looking for
I’m a Credit Control Professional with 15+ years of experience across credit management, global portfolio performance, financial consulting, and high-level client relations. I specialize in optimizing cash collection, reducing DSO, and mitigating bad debt risk in fast-paced, high-pressure environments.
In my current role as a Senior Collections Officer, I lead recovery strategies for high-value delinquent portfolios, negotiate complex payment structures and settlements, and perform detailed credit risk evaluations and reconciliations to minimize exposure. I also streamline escalation protocols and dispute resolution pathways with internal and cross-functional stakeholders.
Previously at LSEG (London Stock Exchange Group), I drove regional portfolio performance to meet strict cash collection, outstanding debt reduction, and Unapplied Cash targets, while accelerating dispute resolution to clear aged invoices. I enforced compliance with regional credit control policies, managed bad debt assessments and provisioning, and supported executive decision-making for payment escalations—bringing the same disciplined, relationship-first approach to every portfolio.
Experience
Work history, roles, and key accomplishments
Senior Collections Officer
ESC Corporation
May 2025 - Present (1 year 1 month)
Led recovery strategies for high-value delinquent portfolios, significantly reducing days sales outstanding (DSO). Negotiated complex payment structures and settlements while performing credit risk evaluations and reconciling accounts to minimize bad debt exposure.
Drove regional portfolio performance to achieve cash collection and outstanding debt reduction targets, including Unapplied Cash goals. Collaborated cross-functionally to accelerate dispute resolution, clear aged invoices, enforce credit control compliance, and manage bad debt provisioning and payment escalations.
Financial Services Consultant
AIA Singapore
Jul 2017 - Nov 2017 (4 months)
Conducted comprehensive financial health reviews and recommended investment and wealth management solutions for diversified client needs. Generated new client pipelines through corporate roadshows and prospecting activities, and nurtured long-term relationships to drive upsell and growth.
Managed delinquent corporate and retail accounts by assessing financial situations to identify root causes of delinquency. Evaluated payment capabilities, structured customized payment restructures for clients in hardship, and coordinated with financial counseling and support services to reach settlement resolutions.
Sales and Customer Support Representative
IBEX Global Philippines
Sep 2013 - May 2014 (8 months)
Handled high-volume inquiries for account balances, payment schedules, and payment processing while mediating and resolving critical customer complaints. Identified accounts with growth potential and drove revenue through promotions, service upgrades, and recommendations of new products.
Education
Degrees, certifications, and relevant coursework
CMFAS
Financial Services Certification, Financial Services
2016 - 2017
Completed CMFAS financial services certifications covering rules and regulations for financial advisory services and insurance/investment-linked policy topics.
De La Salle University
Bachelor of Arts, Community Development
Earned a Bachelor of Arts in Community Development from De La Salle University, graduating in 2007.
Tech stack
Software and tools used professionally
Availability
Location
PhilippinesAuthorized to work in
Job categories
Skills
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