Credit Management Specialist ( O2C)

Avient Corporation; Thane, Pune District; Hybrid; INR 900.000 - 1.300.000; Vollzeit

Benefits dieser Stelle

Competitive pay

Annual incentive

Transport facility

Onsite canteen

Flexible PTO

LinkedIn Learning Premium Access

Health & accident insurance

Zusammenfassung

Avient Corporation is seeking a Credit Management Specialist in Pune or Kalyan with 4+ years of experience in credit management. The role is hybrid, with 3 days in the office, and involves assessing creditworthiness, setting limits, managing receivables, and reducing risk.

Collaboration with sales, finance, and operations is essential. The ideal candidate will have strong financial analysis skills, SAP experience, and the ability to guide internal stakeholders on credit risk and policy

Qualifikationen

• Bachelor degree in Commerce/Finance preferred.
• 4+ years of related experience, preferably in SSC/GBS/BPO.
• Experience with credit/debt instruments.
• English written and verbal communication across all levels.
• SAP experience is mandatory.

Aufgaben

• Order Release Management: evaluate blocked orders based on credit status, balances and payment history.
• Customer Credit Assessment: perform financial analysis and determine credit limits.
• Credit Policy Compliance: ensure decisions align with internal policy and risk tolerance; help refine policies.
• Risk Mitigation and Management: identify high-risk customers and propose risk tools (credit insurance, LC, bank guarantees, advance payments).
• Reporting and Analysis/Collection Support: generate credit risk reports and insights; support collections with risk data.
• Continuous Improvement: identify gaps and propose improvements in credit evaluation and monitoring.

Kenntnisse

Credit management

Financial analysis

Risk assessment

Credit policy compliance

Customer communication

ERP literacy

Stakeholder liaison

Ausbildung

Bachelor degree in Commerce/Finance

Certificate courses in related fields

Tools

SAP

Jobbeschreibung

• Role :Credit Management Specialist
• Location :Pune or Kalyan ( any location as per associate preference)
• Experience :4+ years experience in Credit Management Process
• Work Mode : Hybrid ( 3 days work From Office)
• Shift : 5:30 PM IST 2:30 AM IST

What We Offer:

• Competitive compensation Package aligned with market standards
• Annual Incentive Pay to reward outstanding performance
• Two-way transport facility for convenient commuting
• Onsite canteen offering healthy and subsidized meal options
• Flexible PTO / Annual Leave program for work-life balance
• LinkedIn Learning Premium Access to support your growth
• Comprehensive Health & Accidental Insurance coverage

Job Summary:

Credit Management Specialist

The credit specialist is responsible for working with customers and clients to establish credit terms, reviewing and approving credit applications, and maintaining customer credit files. This includes evaluating creditworthiness, setting credit limits, managing accounts receivable, and minimizing credit risk to maximize cash flow.

Key Responsibilities and Duties:

1) 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.

2) 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.

3) 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.

4) 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, Advance payments
• Collaborate with legal and finance teams on drafting and implementing risk protection agreements.

5) 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.
  

6) 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:

Education and Experience:

• Bachelor graduate and/or certificate of completion of job-related courses. Commerce/Finance preferred).
• 4+ 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.