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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

• Minimum 7 years of relevant experience in the credit analysis domain, with a strong background in Corporate Credit Management. Experience managing credit for agricultural or agri-related businesses will be a strong advantage.
• Solid knowledge of credit risk assessment tools and methodologies, as well as collections practices, including account collections, customer financial analysis, dispute resolution, payment negotiations, and relationship management.
• Proven ability to develop and implement risk mitigation strategies, including the use of Bank Guarantees, Letters of Credit (LCs), collateral structures, and ensure proactive implementation and monitoring.
• Strong analytical and problem-solving skills, with a high level of curiosity, agility, and a proactive mindset.
• Excellent attention to detail and strong organizational and time-management skills.
• Effective communication and negotiation skills, with fluency in local language and English.
• Proficient in Microsoft Office Suite, ERP systems, and data analytical/reporting tools such as Power BI, Excel, and PowerPoint.
• Ability to work independently to manage an assigned credit portfolio with minimal supervision, while also collaborating effectively as part of a global team.
• Willingness and ability to travel to customer locations for credit assessments, negotiations, and collections activities (approximately 10–20% travel).
• Strong understanding of the local financial, legal, and regulatory environment.
• Demonstrated ability to handle multiple tasks with diligence, accuracy, and accountability.