Credit Analyst

Careernet; Gurugram District; On-site; INR 446,000 - 781,000; Full time

Job summary

Careernet in Gurugram, India seeks a detail-oriented Credit Control Specialist to manage client ledgers, monitor the debtor lifecycle, and optimize collections. You will negotiate payment terms, review credit data, and ensure audit-ready records to support timely debt recovery and risk management.

The role requires a Bachelor’s degree and 1+ year in credit control or related finance operations, with proficiency in ERP systems and document management tools. On-site position in Haryana.

Qualifications

• Bachelor's Degree in related field.
• Minimum 1 year of relevant experience in credit control, credit analysis, collections, or financial operations.
• Experience with credit reports, financial statements, and payment histories.

Responsibilities

• Manage a ledger of up to 350 client accounts in line with SRA and dept standards.
• Monitor debtor lifecycle from initial bill to full payment and recovery.
• Resolve client queries to support timely debt recovery and maintain client relationships.
• Negotiate and agree payment terms with clients.
• Determine files for external debt recovery processes.
• Track DSO, CEI, and Ageing Analysis to improve performance.
• Review credit reports, financial statements, and payment histories to assess risk.
• Maintain and update firmwide account records; ensure data integrity.
• Source and verify collection contact information.
• Ensure compliance with audit and legal standards and maintain documentation.
• Deliver clear reporting to internal stakeholders.
• Work under pressure in deadline-driven environments and maintain accuracy.
• Support process improvements to reduce errors in credit control.

Skills

Credit management

Collections

Credit control

O2C processes

Accounts Receivable (O2C)

Data accuracy

Audit readiness

Regulatory compliance

Education

Bachelor's degree

Tools

ERP systems

Document management tools

Job description

Key Skills:

Credit Management, Credit analysis, Collections, Credit Control, O2C, Accounts Receivable (O2C)

Roles and Responsibilities:

• Manage a ledger of up to 350 client accounts, ensuring prompt action in accordance with SRA and departmental standards.
• Monitor and manage the debtor lifecycle, from initial bill sending through to full payment and recovery.
• Resolve client queries efficiently to support timely debt recovery and maintain positive client relationships.
• Negotiate and agree on payment terms with clients in a professional and solutions-focused manner.
• Determine files that should be passed for external debt recovery processes.
• Apply knowledge of key collection metrics such as Days Sales Outstanding (DSO), Collection Effectiveness Index (CEI), and Ageing Analysis to track performance and identify areas for improvement.
• Review credit reports, financial statements, and payment histories to assess risk and inform collection strategies for legal services.
• Conduct internal searches within the firm's document management system to locate invoice and client details accurately.
• Maintain and update firmwide account records, ensuring data integrity and audit readiness.
• Source and verify collection contact information through both internal systems and the internet.
• Ensure compliance with audit and legal standards, maintaining complete and accurate documentation.
• Demonstrate strong attention to detail, numerical accuracy, and consistency in all financial records.
• Deliver clear communication and reporting to internal stakeholders.
• Work effectively under pressure in a deadline-driven environment, maintaining professionalism and accuracy.
• Support process improvement initiatives aimed at streamlining workflows and reducing errors across the credit control function.

Skills Required:

• Strong expertise in credit management, collections, and credit control
• Knowledge of O2C processes and accounts receivable workflows
• Ability to interpret credit reports, financial statements, and payment histories
• Proficiency in credit metrics such as DSO, CEI, and Ageing Analysis
• Experience working with financial/ERP systems and document management tools
• Strong data accuracy, reconciliation, and record management skills
• Understanding of regulatory and audit requirements

Education:

• Bachelor's Degree in related field
• Minimum 1 year of relevant experience in credit control, credit analysis, collections, or financial operations