Credit Officer

2 days ago

Chennai, Tamil Nadu, India Meritus AI Learning Experiences Private Limited Full time ₹ 2,00,000 - ₹ 12,00,000 per year

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

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