Credit Analyst

Location- Gurugram

Hybrid Role

Role & responsibilities

• Perform credit reviews for customers in relevant markets, ensuring required documents are in place for assigning credit and correct risk categories are defined in the system.
  
• Coordinate with commercial and commercial finance teams to pre-align credit requirements for respective markets/customers based on sales plans and initiate required actions/approvals.
  
• Manage portfolio accounts within prescribed policy and service sales orders.
  
• Perform daily collection activities:
  
• Contact customers/respective commercial teams for past dues.
  
• Coordinate with sales coordinators for payment advice.
  
• Liaise with TBO team for cash applications.
  
• Support C form collections, account reconciliation, and follow-up inquiries.
  
• Coordinate with Credit Insurance Company for coverage, timely updates, and follow-ups.
  
• Maintain high-level performance of customer portfolio, driving process improvement in the end-to-end Order-to-Cash Cycle:
  
• Take actions to encourage timely debt payment.
  
• Maintain/update account status records and SAP logs of collection efforts.
  
• Conduct customer visits (35 days per month).
  
• Maintain direct communication with clients to ensure timely payments.
  
• Investigate and resolve aged AR transactions for all assigned accounts.
  
• Verify customer reconciliations and escalate disputes with Commercial Finance.
  
• Prepare weekly reports on collection activity and AR status.
  
• Perform monthly AML testing, monitor and escalate unapplied collections, and maintain cheque bounce tracker with escalation of recurring cases.
  
• Structure and own deduction resolution strategies to identify and process account adjustments:
  
• Manage quarterly bad debt provision and write-off working.
  
• Drive reduction in 90-day outstanding and DSO improvement.
  
• Maintain accurate records including notes on customer communication and follow-up plans.
  
• Create reports related to accounts receivable and cash flow forecasting.
  
• Support internal and statutory audits of accounts receivable and drive efficiency improvements.
  
• Engage in projects and process improvement initiatives as assigned by the Credit Manager.
  
• Escalate potential defaults to the Manager Order to Cash for review and appropriate action.