Credit Management, Specialist

Avient Corporation; Maharashtra; On-site; INR 900,000 - 1,500,000; Full time

Job summary

Avient Corporation in Maharashtra, India seeks an experienced Credit Risk Analyst to evaluate blocked orders, assess customer creditworthiness, and liaise with Sales, Customer Service, and Finance to resolve credit holds while preserving service levels.

The role involves financial analysis, monitoring of credit facilities, and adherence to credit policies. Experience in SSC/GBS/BPO environments and SAP is mandatory. Strong English communication is essential.

Qualifications

• Bachelor degree or completion of Commerce/Finance courses preferred.
• 4+ years of SSC/GBS/BPO experience.
• Experience with credit/debt instruments.
• Excellent English written and verbal communication.

Responsibilities

• Evaluate and process blocked orders based on customer credit status and payment history.
• Liaise with sales, customer service, and finance to resolve credit holds and maintain service levels.
• Escalate high‑risk cases and propose alternatives to enable order release while controlling risk.
• Perform in‑depth financial analyses and creditworthiness evaluations of customers.
• Monitor portfolios and adjust credit lines based on risk and market conditions.
• Ensure credit decisions comply with internal policy and risk guidelines.

Skills

Credit analysis

Financial analysis

English communication

Education

Bachelors in Commerce/Finance

Tools

SAP

Job description

Responsibilities

• Evaluate and process blocked orders based on customer credit status, outstanding balances, and payment history.
• Liaise with sales, customer service, and finance teams to ensure timely resolution of credit holds and maintain service levels.
• Escalate high‑risk cases and recommend alternative solutions to facilitate order release without compromising risk exposure.

Order Release Management

• Evaluate and process blocked orders based on customer credit status, outstanding balances, and payment history.
• Liaise with sales, customer service, and finance teams to ensure timely resolution of credit holds and maintain service levels.
• Escalate high‑risk cases and recommend alternative solutions to facilitate order release without compromising risk exposure.

Customer Credit Assessment

• Perform in‑depth financial analysis and creditworthiness evaluations of new and existing customers.
• Review financial statements, conduct ratio analysis, and utilize external credit rating reports to determine credit limits.
• Continuously monitor customer portfolios and adjust credit lines as needed based on risk profile and market conditions.

Credit Policy Compliance

• Ensure credit decisions comply with internal credit policy and risk tolerance guidelines.
• Contribute to the development and refinement of credit policies and procedures.
• Train and guide internal stakeholders on credit processes and risk awareness.

Risk Mitigation and Management

• Identify customers with elevated risk levels and recommend appropriate risk mitigation tools such as credit insurance, letters of credit, bank guarantees, and advance payments.
• Collaborate with legal and finance teams on drafting and implementing risk protection agreements.

Reporting And Analysis/Collection Support

• Generate regular credit risk reports and dashboards for senior management.
• Provide insights and analysis on customer payment behavior, credit utilization and risk trends.
• Maintain accurate and up‑to‑date credit master data in the ERP system.
• Support the collections team by providing credit risk insights and prioritizing high‑risk receivables.
• Participate in customer meetings or calls to resolve overdue issues when required.

Continuous Improvement

• Identify process gaps and propose improvements in credit evaluation, monitoring, and risk mitigation.
• Stay up to date on industry best practices, regulatory changes, and economic trends affecting credit risk.

Qualifications

• Bachelor graduate and/or certificate of completion of job‑related courses (Commerce/Finance preferred).
• 4+ years of related experience, preferred in SSC/GBS/BPO environment.
• Experience with credit/debt instruments.
• English written and verbal communication, including ability to interact with all levels throughout the organization.
• SAP experience is mandatory.

In support of this, we stress equality of opportunity for all qualified individuals in accordance with applicable laws. Decisions on hiring, promotion, development, compensation or advancement are based solely on a person’s qualifications, abilities, experience and performance.