Credit Life Officer

SkillLabs; Ambala; Vor Ort; INR 450.000 - 700.000; Vollzeit

Zusammenfassung

SkillLabs in India is seeking a Credit Officer to plan and execute credit-related projects, assess applications, and monitor risk. You will coordinate with sales, finance, and legal teams to ensure accurate reporting and compliance, while mentoring junior staff and driving process improvements.

The role emphasizes decision-making on credit extensions and handling customer inquiries about terms, with a focus on efficient collections and risk controls.

Qualifikationen

• Bachelor's degree in Finance/Accounting/Business or related field.
• 3+ years in credit analysis or risk management preferred.
• Proficiency in Excel and credit reporting tools.

Aufgaben

• Project Planning and Execution: assess credit applications, set limits, monitor risk.
• Resolve disputes, decide on extensions, manage collections processes.
• Collaborate with Sales, Finance, and Legal for compliance.
• Provide leadership and mentorship to junior staff.
• Seek process improvements and adopt new credit technologies.
• Handle customer inquiries on credit terms and arrange payments.

Kenntnisse

Credit analysis

Financial modeling

Excel

Risk assessment

Credit reporting

Ausbildung

Bachelor's degree in Finance/Accounting/Business

Credit analysis certification (a plus)

Tools

Credit analysis software

Risk assessment tools

Experience with credit bureaus

Jobbeschreibung

Key Responsibilities

• Project Planning and Execution: A Credit Officer is responsible for planning and executing credit-related projects, including assessing credit applications, setting credit limits, and monitoring credit risk exposure.
• Problem-Solving and Decision-Making: This role involves resolving credit disputes, making decisions on credit extensions, and managing collections processes efficiently.
• Collaboration with Cross-Functional Teams: Credit Officers work closely with sales teams to understand customer needs, finance teams to ensure accurate financial reporting, and legal teams for compliance matters.
• Leadership and Mentorship: Senior Credit Officers may provide leadership to junior team members, offering guidance on credit analysis techniques and risk assessment.
• Process Improvement and Innovation: Constantly seeking ways to streamline credit processes, adopt new technologies for credit assessment, and improve overall credit management practices.
• Technical or Customer-Facing Responsibilities: Handling customer inquiries related to credit terms, negotiating payment arrangements, and providing credit advice to internal and external stakeholders.

Required Skills And Qualifications

• Technical Skills: Proficiency in credit analysis software, financial modeling, risk assessment tools, Excel, and knowledge of credit reporting bureaus.
• Educational Requirements: Bachelor's degree in Finance, Accounting, Business Administration, or a related field. Certification in credit analysis or risk management is a plus.
• Experience Level: 3+ years of experience in credit analysis, risk management, or financial services. Experience in a lending institution or credit department is preferred.
• Soft Skills: Strong communication skills, attention to detail, analytical thinking, ability to work under pressure, and a customer-centric approach.
• Industry Knowledge: Understanding of credit laws, regulations, and compliance requirements. Knowledge of industry-specific credit practices and standards.