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Job Purpose and Impact

The Professional, Credit job performs a range of moderately complex activities to minimize credit risks in support of the organization's financial stability. With limited supervision, this job prepares credit reporting and performs credit research and account management initiatives in compliance with organizational and regulatory standards. This job also helps develop, recommends, and implements the controls and policies that ensure financially sound credit decisions are made in the organization.

Key Accountabilities

• CUSTOMER ACCOUNTS: Handles customer accounts, including tracking account status, following up on overdue accounts, and assessing customer portfolio risk.
• CREDIT ANALYSIS: Synthesizes and interprets findings on credit trends, profitability, economics and collections activities to propose recommendations for credit decisions.
• DATA MANAGEMENT: Maintains accurate and updated records of credit related information, including customer profiles, credit limits and payment terms, with a focus on accuracy and compliance.
• CREDIT REPORTING: Prepares and distributes detailed credit research and reports to support account decision making, including researching credit history and applying credit knowledge to propose acceptable credit lines and payment terms for new customer and supplier accounts.
• COLLABORATION: Collaborates with cross functional teams to resolve moderately complex credit related issues and disputes, applying advanced problem solving skills and a customer centric approach.
• RISK MANAGEMENT: Identifies potential sources of loss and prepares estimates of potential financial consequences to minimize the company's credit risk.
• CREDIT CONTROL POLICY: Provides inputs in developing and implements credit control policies and procedures, applying professional knowledge to minimize credit risks and optimize cash flow management.
• INDUSTRY EXPERTISE: Stays abreast of industry trends, regulatory changes, and emerging best in class industry standards in credit management, proactively finding opportunities for continuous improvement in processes, risk mitigation and credit operations.

Qualifications

• 5 years of relevant experience in credit analysis domain, and Corporate Credit Analysis background
• Knowledge of credit risk assessment tools & techniques and collections practices (account collections, customer analysis, dispute resolution, payment negotiation and relationship management)
• Ability to develop strategies to mitigate risk, including Bank Guarantees, LC, Collateral and ensure proactive implementations
• Strong analytical and problem-solving skills, be inquisitive and agile
• Attention to detail and strong organizational skills
• Excellent communication (in Local Language + English) and negotiation abilities
• Proficiency in Microsoft Office Suite and ERP systems, Power BI, Excel, PPT
• Ability to work independently and as part of a global team, willing to travel to customer locations
• Understanding of the country financial and regulatory environment
• Candidates who can handle various tasks with due diligence will be preferred.
• Work experience in credit agencies or bureaus will be an added advantage (Ex, Moody’s, CRISIL, ICRA, etc.)
• Knowledge of SQL and Python will be an added advantage.