Senior Credit Specialist

A leading organization is seeking a talented professional to fill the role of Management Trainee, Invoice to Cash - Credit Risk / Credit Management. This exciting opportunity will involve assessing creditworthiness, managing credit limits, and monitoring risk exposure for a US-based semiconductor manufacturing client.

• Evaluate the creditworthiness of new and existing distributor clients by analyzing financial statements, credit reports, trade references, and payment history.
• Establish and maintain credit limits based on company policy, risk assessments, and client contractual agreements.
• Monitor credit exposure, outstanding balances, and aging to ensure compliance with approved credit limits and terms.
• Proactively identify at-risk accounts and recommend changes in credit terms or collection strategies.

1. Evaluate the creditworthiness of new and existing distributor clients by analyzing financial statements, credit reports, trade references, and payment history.
2. Establish and maintain credit limits based on company policy, risk assessments, and client contractual agreements.
3. Monitor credit exposure, outstanding balances, and aging to ensure compliance with approved credit limits and terms.
4. Proactively identify at-risk accounts and recommend changes in credit terms or collection strategies.
5. Work closely with sales, collections, and billing teams to manage blocked orders, resolve credit holds, and support order releases within risk thresholds.
6. Support customer onboarding by reviewing legal documents, trade references, and credit application data.
7. Update and maintain credit master data in ERP systems and ensure accurate customer records.
8. Perform periodic reviews of credit limits and adjust as needed based on updated customer risk profiles.
9. Generate reports on credit exposure, high-risk accounts, and DSO performance.
10. Ensure compliance with internal controls, SOX, and customer data privacy policies.

• Bachelor's degree in finance/economics/systems or equivalent work experience.
• Relevant years of experience in credit analysis or credit management, preferably supporting US-based B2B clients.
• Experience working with distributor clients, ideally in the semiconductor, electronics, or manufacturing sectors.
• Prior experience in shared services or BPO settings is preferred.
• Strong analytical and financial statement analysis skills.
• Proficiency in ERP systems (e.g., SAP, Oracle, NetSuite).
• Experience using credit rating tools (e.g., D&B, Experian, CreditSafe).
• Good understanding of credit insurance, trade terms, and risk mitigation tools.
• Intermediate to advanced Excel skills and data analytics.
• Strong communication skills in English (written and verbal).
• Detail-oriented with a proactive and risk-aware mindset.
• Demonstrated effective organization and analytical skills, attention to detail.

• Experience in Six Sigma and Lean methodology is a plus.
• Familiarity with US GAAP, SOX controls, and internal audit requirements.
• Experience working with credit insurance policies or managing exposure under insured limits.
• Ability to collaborate effectively across departments (Sales, Collections, Legal, etc.).
• Willingsness to work in US time zones or partial overlaps.
• Certification in credit management (e.g., NACM, CFA, or equivalent) is a plus.

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At [Company Name], we strive to foster a culture of respect and integrity, customer focus, and innovation. We offer a dynamic work environment that values teamwork and collaboration. Our employees enjoy a comprehensive benefits package, ongoing training and development opportunities, and access to cutting-edge technology and tools.

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