3 Credit History Jobs

As a Credit Manager, you will be responsible for various tasks related to credit management in the financial services sector. Your primary duties will include the consistent application of a credit policy, conducting periodic credit reviews of existing customers, and evaluating the creditworthiness of potential customers. To excel in this role, you should have a solid understanding of LAP/Housing loans/BL and be able to analyze risks associated with loan requests. Your responsibilities will also involve preparing Credit Appraisal Memos (CAM), analyzing Credit History, and assessing Technical and Legal reports. Additionally, you will be expected to calculate financial ratios such as credit scores and interest rates, sanction TVR, conduct hindsight visits in the field, and engage in Personal Discussions (PD) via various mediums including Telephonic, Video, or in-person meetings. Furthermore, you will be involved in audit clearances, processing files for disbursement, and overseeing the entire credit granting process. The ideal candidate for this role should possess 3 to 7 years of experience in the financial services sector. The salary range for this position is between 2 Lakhs 50 Thousand to 5 Lakhs per annum. This role falls within the industry of Financial Services / Banking, Investments / Insurance / Stock Market / Loan. The required qualifications include B.A, B.B.A, B.Com, M.A, M.B.A/PGDM, or M.Com. Key skills that will be beneficial for this position include Credit Officer, Credit Manager, and Loan Officer. If you meet the criteria and have the necessary experience, you are encouraged to consider this opportunity.,

As a Credit Manager, you will be responsible for the consistent application of a credit policy, conducting periodic credit reviews of existing customers, and evaluating the creditworthiness of potential customers. Your duties will include analyzing risks and making decisions on loan requests, preparing Credit Appraisal Memos (CAM), reviewing credit history, and assessing technical and legal reports. You will also be required to calculate financial ratios such as credit scores and interest rates, sanction TVR, conduct field visits for hindsight, and engage in personal discussions with customers via tele/video/physical mediums. Additionally, you will be involved in audit clearance, processing files for disbursement, and overseeing the entire credit granting process. Ideal candidates for this role should have a minimum of 2 years of experience in credit management, with specific knowledge of LAP, Housing loans, and BL. The preferred educational qualifications include B.A, B.B.A, B.Com, M.A, M.B.A/PGDM, or M.Com. Key skills for this position include expertise in credit evaluation, loan processing, and risk analysis. This position offers a competitive salary ranging from 2 Lac 50 Thousand to 5 Lac per annum and falls under the industry of Financial Services, Banking, Investments, Insurance, Stock Market, and Loans. If you possess the required experience, qualifications, and skills for this role, we invite you to walk in for further discussions and assessments.,

Job Description About this role: The B2B (Business to Business) Collections Specialist is an integral part of the Credit & Collections team. Primary responsibility is to manage a high-volume collection portfolio by maintaining an acceptable payment pattern for each Client identifying and resolving invoice discrepancies and maintaining a good relationship with our customers and other key stakeholders. Initiate contact with the Client to ensure the Client pays for services within the terms of the contract. Evaluate Clients credit history to review, approve or recommend terms for new business. Escalate risk to sales, management, outside counsel if delinquent. Support sales if the client dispute invoices or requires supporting documentation/ preparation of a statement. Maintain collections history in Oracle Fusion. What youll do: Understand and adhere to all corporate guidelines for pricing, legal, product, SOX (Sarbanes Oxley) and country-specific laws. Evaluate credit history, review and help Deal Hub prepare Sales Agreements with Sales for non-standard terms before presenting to Client; provide updated language, calculation of credits for re-writing and recommendations for edits or further approvals before submission to Client. Start collections process through automated collections workflows, combining direct collection efforts via phone and email to the Client. Collections performance: responsible for collecting payment for assigned invoices, measured on success of invoices collected in each aging category, frequency of Client contact, cash collected and managing unapplied cash and credits with refunds / applications. Support B2B rolling regional portfolio of invoices handling 600 transactions targeted at the beginning of each quarter Responsible for 90/60/30/0 transactions documenting actions and touch points to meet target goals for receivable funds. Frequency of interaction with client on invoice status (payment dates / Payment promises / issue resolution / etc.) Touchpoint Cadence: responsible for maintaining contact with Internal and External stakeholders to resolve payment, measured on average of days since last contact by transaction utilizing Microsoft Word/Excel/PowerPoint and Outlook Identify Client issues early and escalate to management and sales. Provide recommendations for enforcing terms or preparing a payment plan directly with the Client. Coordinate with the Order Management teams to validate Clients outstanding balance or refund any overpayment coordinating with Cash Applications Coordinate with the Portal team to support electronically invoicing and collecting through Clients portals. Preparation of credit memos and accurate coding depending upon the nature of the credit. Provide monthly reports to management and Sales on all balances 10K 60 days delinquent. Meet and exceed all individual monthly & quarterly cash collection, delinquency, unapplied cash, DTC & UTC targets. Demonstrated ability to present updates to internal and external stakeholders as needed Proficiency in Microsoft office, Word, Excel and PowerPoint What youll need: Bachelor's degree or equivalent work experience preferred. Minimum 2 or more years of related office experience in one of the following areas: Customer Service, Collections, Sales Support. Proficient in Microsoft Word, Oracle and a CRM system knowledge a plus. (Salesforce) Above average proficiency in Microsoft Excel (Creation of formulas, sorting, filtering and general spreadsheet manipulation) Excellent oral and written communication skills. Ability to communicate with a diverse audience at various levels and all countries and cultures within the organization. Effective listening skills. Excellent customer service skills. Strong initiative. Ability to work in a fast-paced, high-pressure environment. Excellent time management skills and ability to meet tight deadlines. Strong analytical and problem-solving skills. Attention to detail. Ability to adapt to a constantly changing environment. Strong interpersonal skills. Strong team player. Ability to build strong internal/external business partnerships. Who you are: Motivated, high-potential performer, with demonstrated ability to influence and lead. Strong communicator with excellent interpersonal skills. Able to solve complex problems and successfully manage ambiguity and unexpected change. Teachable and embracing of best practices and feedback as a means of continuous improvement. Consistently high achiever marked by perseverance, humility and a positive outlook in the face of challenges.