Manager Credit

You will be responsible for:

• You will be responsible for evaluating customer creditworthiness, assessing financial health, and recommending appropriate credit limits and payment terms.
• You will be responsible for managing credit risks across the Consumer PBU portfolio, ensuring adherence to the organizations credit policies and approval processes.
• You will be responsible for monitoring accounts receivable, overdue balances, and collection performance to minimize credit exposure and improve working capital.
• You will be responsible for analyzing customer financial statements, payment behavior, credit history, and other relevant financial indicators to identify potential risks.
• You will be responsible for reviewing and recommending credit limit enhancements, extensions, and exceptions based on business requirements and risk assessments.
• You will be responsible for partnering with Sales and Commercial teams to facilitate business growth while maintaining appropriate credit controls and risk mitigation measures.
• You will be responsible for monitoring ageing reports, identifying high-risk accounts, and developing action plans to address overdue payments and potential bad debts.
• You will be responsible for coordinating with internal stakeholders to resolve credit-related disputes, payment issues, and customer account discrepancies.
• You will be responsible for preparing credit risk reports, receivables dashboards, and periodic management updates to support informed decision-making.
• You will be responsible for identifying opportunities to strengthen credit processes, improve operational efficiency, and enhance receivables management.
• You will be responsible for ensuring compliance with internal controls, audit requirements, and applicable financial policies and procedures.

What youll bring:

• Chartered Accountant (CA) qualification is mandatory.
•  5–7 years of relevant experience in credit management, credit risk, receivables management, or commercial finance.
• Strong understanding of credit assessment, financial analysis, credit control, and working capital management.
• Experience in evaluating customer financials, managing credit limits, and monitoring receivables and overdue accounts.
• Strong analytical, problem-solving, and financial reporting skills.
• Ability to collaborate effectively with Sales, Finance, and cross-functional stakeholders.
• Proficiency in MS Excel and financial reporting tools; experience with ERP systems such as SAP will be an advantage.
• Strong communication, stakeholder management, and decision-making skills