Credit Officer

Experience : Freshers Only

Preferably Male candidate

Location : Chennai

Preferred Qualification : MBA, MCOM, BCom, BBA, BCA, Bsc

Credit & Dispatch Manager – Roles and Responsibilities

1. Credit Management Responsibilities

• Develop and implement credit policies, ensuring alignment with company objectives.
• Evaluate and approve credit applications based on financial analysis, payment history, and risk profile.
• Define customer credit limits and payment terms in line with business and risk appetite.
• Monitor outstanding receivables, track overdue accounts, and ensure timely collections.
• Negotiate repayment plans or escalate accounts to legal for recovery where needed.
• Prepare and present credit risk reports, including DSO, overdue percentage, and bad debt ratio.
• Collaborate with sales and finance teams to balance credit risk and business growth.

2. Dispatch & Logistics Responsibilities

• Coordinate with sales, warehouse, and logistics teams for timely dispatch of goods.
• Verify that dispatches are aligned with approved credit limits and payment status.
• Ensure accurate documentation for each dispatch (invoices, delivery challans, e-way bills, etc.).
• Monitor and track shipments to ensure on-time delivery to customers.
• Resolve dispatch-related issues such as delays, shortages, or damages.
• Optimize dispatch planning to reduce logistics costs and improve efficiency.
• Maintain strong coordination between credit control and dispatch to prevent releasing goods to high-risk/overdue customers.

3. Risk & Compliance

• Ensure dispatches are blocked/held for customers exceeding credit limits or defaulting.
• Enforce company policies to prevent financial and operational risks.
• Ensure compliance with taxation, invoicing, and statutory requirements in dispatch operations.

4. Team & Stakeholder Coordination

• Supervise and train credit control and dispatch teams.
• Act as a liaison between sales, finance, warehouse, and logistics for smooth order-to-cash cycle.
• Provide clear reporting to senior management on credit exposure, collections, and dispatch performance.

Job Types: Full-time, Fresher

Benefits:

• Flexible schedule
• Health insurance
• Paid sick time

Expected Start Date: 13/10/2025