Deputy Manager - Credit

ingrammicro; Mumbai; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Ingram Micro is seeking a Credit Risk Analyst to develop and implement policies for evaluating customer creditworthiness and extending or revoking credit lines. The role coordinates with internal teams to resolve billing disputes and ensures SOX-compliant controls are followed.

The candidate will analyze receivables data, monitor collection efforts, and collaborate with legal or debt collection agencies when necessary to minimize bad debts.

Qualifications

• Experience in assessing credit risk and determining creditworthiness.
• Ability to monitor payment due dates and pursue timely payments.
• Familiarity with data protection laws and policies; basic compliance awareness.

Responsibilities

• Assessing credit risks and managing credit policies; recommend extensions or revocations.
• Monitor due dates and follow up with customers for payments.
• Send reminders and statements for overdue balances; record payments.
• Advise management on regulatory changes impacting business.

Skills

Credit risk assessment

Receivables management

Debt collection

Policy development

Data protection compliance

Billing dispute resolution

Negotiation with delinquent customers

Job description

Job Description:

Develops, recommends, and implements policies and procedures for investigating and evaluating new and existing customer creditworthiness and extending or revoking credit lines/limits. Coordinates with internal departments to resolve billing disputes that may affect the ability to collect receivables. Reviews and makes recommendations regarding bad debt or write-offs. Investigates and analyses credit risks, using available internet and credit agency tools and information. Recommends and implements credit extensions/revocations, and/or legal action where necessary. Develops and maintains relationships with outside credit agencies. Ensures procedures and internal controls are followed in compliance with Sarbanes-Oxley initiatives.

Job Responsibilities :

• Assessing credit risks and managing credit insurance policies, if applicable.
• Monitoring payment due dates and following up with customers for timely payments.
• Sending payment reminders and statements to customers with overdue balances.
• Recording payments received and reconciling accounts. Advise management on regulatory changes impacting business.
• Implementation and monitoring of Data protection laws and policies, including training Ingram Micro associates.
• Maintaining customer master data, including contact information, credit limits, and payment terms.
• Reviewing sales contracts and agreements for accuracy and completeness.
• Conducting internal audits to identify errors, discrepancies, or fraudulent activities.
• Implementing controls and procedures to safeguard against unauthorized transactions.
• Analyzing receivables data to assess customer creditworthiness and risk exposure.
• Developing and implementing credit policies and strategies to optimize cash flow and minimize bad debts.
• Generating reports and providing insights to management on receivables performance and trends.
• Managing overdue accounts and initiating collection efforts.
• Coordinating with legal advisors or debt collection agencies for legal actions or recovery procedures.
• Negotiating settlements and payment plans with delinquent customers.