Manager Credit, Consumer PBU

Goodyear; Delhi; On-site; INR 900,000 - 1,500,000; Full time

Job summary

Goodyear is seeking a Credit Manager in India to evaluate customer creditworthiness, assess financial health, and recommend credit limits and payment terms. You will manage credit risks across the Consumer PBU portfolio and ensure adherence to credit policies and approval processes.

You will collaborate with Sales and Commercial teams to drive business growth while maintaining strong credit controls and efficient receivables management. A CA with 5–7 years of experience is required.

Qualifications

• Chartered Accountant (CA) qualification is mandatory.
• 5–7 years of relevant experience in credit management, credit risk, receivables management, or commercial finance.
• Strong understanding of credit assessment, financial analysis, credit control, and working capital management.

Responsibilities

• Evaluate customer creditworthiness and assess financial health.
• Recommend credit limits and payment terms aligned with risk policy.
• Manage credit risks across Consumer PBU portfolio and ensure adherence to credit policies.
• Monitor accounts receivable, overdue balances, and collection performance.
• Analyze customer financial statements, payment behavior, and credit history to identify risks.
• Review credit limit enhancements, extensions, and exceptions based on risk assessments.
• Partner with Sales and Commercial teams to enable growth while maintaining controls.
• Monitor ageing reports, identify high-risk accounts, and develop action plans for overdue payments.
• Coordinate with internal stakeholders to resolve credit disputes and payment issues.
• Prepare credit risk reports and receivables dashboards for decision-making.
• Identify opportunities to strengthen credit processes and receivables management.

Skills

Credit assessment

Financial analysis

Credit control

Working capital management

Stakeholder management

Education

Chartered Accountant (CA)

Tools

MS Excel

ERP SAP

Job description

You will be responsible for:You will be responsible for evaluating customer creditworthiness, assessing financial health, and recommending appropriate credit limits and payment terms.You will be responsible for managing credit risks across the Consumer PBU portfolio, ensuring adherence to the organization’s credit policies and approval processes.You will be responsible for monitoring accounts receivable, overdue balances, and collection performance to minimize credit exposure and improve working capital.You will be responsible for analyzing customer financial statements, payment behavior, credit history, and other relevant financial indicators to identify potential risks.You will be responsible for reviewing and recommending credit limit enhancements, extensions, and exceptions based on business requirements and risk assessments.You will be responsible for partnering with Sales and Commercial teams to facilitate business growth while maintaining appropriate credit controls and risk mitigation measures.You will be responsible for monitoring ageing reports, identifying high-risk accounts, and developing action plans to address overdue payments and potential bad debts.You will be responsible for coordinating with internal stakeholders to resolve credit-related disputes, payment issues, and customer account discrepancies.You will be responsible for preparing credit risk reports, receivables dashboards, and periodic management updates to support informed decision-making.You will be responsible for identifying opportunities to strengthen credit processes, improve operational efficiency, and enhance receivables management.You will be responsible for ensuring compliance with internal controls, audit requirements, and applicable financial policies and procedures.What you’ll bring:Chartered Accountant (CA) qualification is mandatory. 5–7 years of relevant experience in credit management, credit risk, receivables management, or commercial finance.Strong understanding of credit assessment, financial analysis, credit control, and working capital management.Experience in evaluating customer financials, managing credit limits, and monitoring receivables and overdue accounts.Strong analytical, problem-solving, and financial reporting skills.Ability to collaborate effectively with Sales, Finance, and cross-functional stakeholders.Proficiency in MS Excel and financial reporting tools; experience with ERP systems such as SAP will be an advantage.Strong communication, stakeholder management, and decision-making skills.#LI-PS1Goodyear is one of the world's largest tire companies. It employs about 63,000 people and manufactures its products in 48 facilities in 19 countries around the world. Its two Innovation Centers in Akron, Ohio, and Colmar-Berg, Luxembourg, strive to develop state-of-the-art products and services that set the technology and performance standard for the industry. For more information about Goodyear and its products, go to www.goodyear.com/corporateGoodyear is an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to any characteristic protected by law.