Senior Credit Risk Manager

19 hours ago

Meerut, Uttar Pradesh, India beBeeCredit Full time ₹ 8,00,000 - ₹ 15,00,000

Credit Control Specialist

Summary:

The ideal candidate will lead and manage the credit control function, setting credit policies, evaluating credit risks, managing a team, and liaising with internal and external stakeholders.

Key Responsibilities:

  • Credit Management:
    • Develop and implement credit control strategies, procedures, and credit limits.
    • Evaluate new and existing customer creditworthiness through financial analysis, credit scoring, and risk assessments.
    • Approve or recommend credit limits and payment terms.
  • Receivables Management:
    • Monitor the accounts receivable ledger to ensure all debts are collected in a timely manner.
    • Review and reconcile customer accounts regularly.
    • Ensure accurate and timely allocation of receipts.
  • Collection:
    • Lead and manage the collections team to follow up on outstanding invoices.
    • Resolve invoice disputes and escalate problematic cases to management.
    • Maintain regular contact with key customers to secure payments.
  • Reporting & Analysis:
    • Prepare weekly/monthly reports on receivables, aging, DSO (Days Sales Outstanding), bad debt provisions, and collection efficiency.
    • Highlight high-risk accounts and overdue balances to senior management.
  • Stakeholder Collaboration:
    • Work closely with the Sales, Legal, and Customer Service teams to resolve credit issues and support customer relationships.
    • Liaise with external credit rating agencies and legal advisors when required.
  • Team Leadership:
    • Manage, train, and motivate the credit control team.
    • Set performance KPIs and review team performance regularly.
  • Compliance:
    • Ensure adherence to company credit policies and regulatory requirements.
    • Support internal and external audit processes.

Requirements:

  • 4-7 years of experience in credit control or a related field.

Qualifications:

  • Strong understanding of credit control principles and practices.
  • Excellent communication and leadership skills.
  • Ability to work under pressure and meet deadlines.

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