Credit Manager - Rajam

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

Job summary

Credit Saison India seeks a seasoned Credit Manager for Rajam to oversee credit granting, assess risk, and drive timely collections in the Rajam region.

The role requires implementing credit policies, performing financial analysis, monitoring portfolio performance, and ensuring regulatory compliance.

You will lead a team of credit analysts, collaborate with sales, finance and legal, and report insights to senior management. 7–10 years in credit management with 3–5 years in leadership preferred.

Qualifications

• Minimum 7–10 years in credit management with progressive responsibility.
• At least 3–5 years in a leadership role.
• Strong understanding of financial statements and risk assessment.

Responsibilities

• Develop and implement credit policies and procedures.
• Conduct financial analysis to assess creditworthiness and set limits.
• Manage and monitor credit portfolio and risks.
• Oversee collection efforts, negotiate payment plans, and manage overdue accounts.
• Collaborate with sales, finance and legal to ensure smooth operations.
• Prepare reports and present insights to senior management.
• Ensure compliance with credit laws and internal policies.
• Lead and mentor a team of credit analysts and officers.
• Stay updated on industry practices and economic conditions.

Skills

Analytical skills

Decision making

Communication & negotiation

Team leadership

Problem solving

Independence & collaboration

Excel proficiency

Credit risk awareness

Education

Bachelor's degree in Finance/Accounting/Business Administration

Master's degree or CPA/CFA (plus)

Tools

Credit management software

Microsoft Office (Excel)

Job description

The Credit Manager - Rajam will be responsible for overseeing all aspects of the credit granting process, ensuring efficient credit assessment, risk mitigation, and timely collection strategies to support the company's financial health and growth in the Rajam region.

Job Responsibilities

• Develop and implement credit policies and procedures in line with company objectives and regulatory requirements.
• Conduct thorough financial analysis of potential and existing clients to assess creditworthiness and determine appropriate credit limits.
• Manage and monitor the credit portfolio, identifying potential risks and implementing proactive mitigation strategies.
• Oversee and optimize collection efforts, including developing and implementing collection strategies, negotiating payment plans, and managing overdue accounts.
• Collaborate with sales, finance, and legal departments to ensure smooth credit operations and resolve complex credit-related issues.
• Prepare and present credit reports and analysis to senior management, highlighting key trends, risks, and performance metrics.
• Ensure compliance with all relevant credit laws, regulations, and internal policies.
• Lead and mentor a team of credit analysts and officers, fostering their professional development.
• Stay updated on industry best practices and economic conditions impacting credit risk.
• Handle customer inquiries and disputes related to credit and collections in a professional manner.

Job Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field. A Master's degree or professional certification (e.g., CPA, CFA) is a plus.
• Minimum of 7-10 years of progressive experience in credit management, with at least 3-5 years in a leadership role.
• Strong understanding of financial statements, credit analysis techniques, and risk assessment methodologies.
• Proven track record of managing a credit portfolio and achieving collection targets.
• Excellent analytical, problem-solving, and decision-making skills.
• Strong communication, negotiation, and interpersonal skills.
• Proficiency in credit management software and Microsoft Office Suite (especially Excel).
• Ability to work independently and as part of a team in a fast-paced environment.
• In-depth knowledge of local credit laws and regulations specific to the Rajam region is highly desirable.