Credit Management Specialist ( O2C)

• Role :Credit Management Specialist

• Location :Pune or Kalyan ( any location as per associate preference)

• Experience :4+ years experience in Credit Management Process

• Work Mode : Hybrid ( 3 days work From Office)

• Shift : 5:30 PM IST 2:30 AM IST

What We Offer:

• Competitive compensation Package aligned with market standards
• Annual Incentive Pay to reward outstanding performance
• Two-way transport facility for convenient commuting
• Onsite canteen offering healthy and subsidized meal options
• Flexible PTO / Annual Leave program for work-life balance
• LinkedIn Learning Premium Access to support your growth
• Comprehensive Health & Accidental Insurance coverage

Job Summary:

Key Responsibilities and Duties

1)

• Evaluate and process blocked orders based on customer credit status, outstanding balances, and payment history.
• Liaise with sales, customer service, and finance teams to ensure timely resolution of credit holds and maintain service levels.
• Escalate high-risk cases and recommend alternative solutions to facilitate order release without compromising risk exposure.

2)

• Perform in-depth financial analysis and creditworthiness evaluations of new and existing customers.
• Review financial statements, conduct ratio analysis, and utilize external credit rating reports to determine credit limits.
• Continuously monitor customer portfolios and adjust credit lines as needed based on risk profile and market conditions.

3)

• Ensure credit decisions comply with internal credit policy and risk tolerance guidelines.
• Contribute to the development and refinement of credit policies and procedures.
• Train and guide internal stakeholders on credit processes and risk awareness.

4)

• Identify customers with elevated risk levels and recommend appropriate risk mitigation tools such as: Credit insurance, Letters of credit, Bank guarantees, Advance payments
• Collaborate with legal and finance teams on drafting and implementing risk protection agreements.

5)

• Generate regular credit risk reports and dashboards for senior management.
• Provide insights and analysis on customer payment behavior, credit utilization and risk trends.
• Maintain accurate and up-to-date credit master data in the ERP system.
• Support the collections team by providing credit risk insights and prioritizing high-risk receivables.
• Participate in customer meetings or calls to resolve overdue issues when required.

6)

• Identify process gaps and propose improvements in credit evaluation, monitoring, and risk mitigation.
• Stay up to date on industry best practices, regulatory changes, and economic trends affecting credit risk.

QUALIFICATIONS:

Education and Experience:

• Bachelor graduate and/or certificate of completion of job-related courses. Commerce/Finance preferred).
• 4+ of related experience, preferred in SSC/GBS/BPO environment.
• Experience with credit/debt instruments
• English written and verbal communication including ability to interact with all levels throughout the organization.
• SAP experience is mandatory.