Credit manager - Gudur

Credit Saison India; Gudur; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Credit Saison India in Gudur is seeking a seasoned Credit Manager to oversee credit granting, collections, and risk management for our operations in Gudur. You will manage the full credit lifecycle and maintain strong customer relationships.

The role requires expertise in credit analysis, setting limits, developing collection strategies, monitoring aging, and collaborating with sales and finance. Leadership of a small team may be involved, with focus on compliance and timely reporting.

Qualifications

• Bachelor’s degree in Finance, Accounting, Business Administration, or related field is required.
• Minimum 5 years of progressive experience in credit management.
• Proven track record in credit risk assessment and collections.
• Strong analytical, negotiation, and interpersonal skills.

Responsibilities

• Manage the full credit lifecycle from application to collections and recovery.
• Conduct thorough credit analysis using financial statements, credit reports, and industry data.
• Establish and maintain credit limits and terms per policy and risk appetite.
• Develop and implement effective collection strategies to minimize overdue accounts.
• Monitor accounts receivable aging and identify potential credit risks.
• Negotiate payment plans and resolve credit-related disputes with customers.
• Prepare regular reports on credit performance, collections, and risk exposure.
• Collaborate with sales, customer service, and finance to ensure smooth credit operations.
• Stay updated on industry trends, regulations, and economic conditions affecting credit risk.
• Lead and mentor a small team of credit analysts or officers (if applicable).

Skills

Credit risk assessment

Credit analysis

Financial statement analysis

Negotiation

Team leadership

Communication

Education

Bachelor’s degree in Finance, Accounting, Business Administration, or related field

Tools

Credit management software

Microsoft Excel

Job description

Job Summary:**

We are seeking a highly motivated and experienced Credit Manager to oversee all aspects of credit granting and collection for our operations in Gudur. This role involves managing credit risk, ensuring timely collections, and maintaining strong customer relationships.

Job Responsibilities:**

• Manage the full credit lifecycle, from application assessment to collections and recovery.


• Conduct thorough credit analysis of new and existing customers, utilizing financial statements, credit reports, and industry data.


• Establish and maintain credit limits and terms for customers in line with company policy and risk appetite.


• Develop and implement effective collection strategies to minimize overdue accounts and bad debt.


• Monitor accounts receivable aging and proactively identify potential credit risks.


• Negotiate payment plans and resolve credit-related disputes with customers.


• Prepare regular reports on credit performance, collections, and risk exposure.


• Collaborate with sales, customer service, and finance departments to ensure smooth credit operations.


• Stay updated on industry trends, credit regulations, and economic conditions impacting credit risk.


• Lead and mentor a small team of credit analysts or officers (if applicable).

Job Qualifications:**

• Bachelor’s degree in Finance, Accounting, Business Administration, or a related field.


• Minimum of 5 years of progressive experience in credit management, preferably within a relevant industry.


• Proven track record of successful credit risk assessment and collection efforts.


• Strong understanding of financial statement analysis, credit scoring models, and legal aspects of credit.


• Excellent analytical, problem-solving, and decision‑making skills.


• Superior communication, negotiation, and interpersonal abilities.


• Proficiency in credit management software and Microsoft Office Suite (especially Excel).


• Ability to work independently and manage multiple priorities in a fast‑paced environment.


• Knowledge of the local market and business environment in Gudur is an advantage.