Senior Executive - Credit Control

FCM Travel; Bengaluru; On-site; INR 600,000 - 900,000; Full time

Job summary

FCM Travel is seeking a proactive Credit Controller in Bengaluru to assess credit risk, establish limits, and perform periodic reviews for customers. You will manage receivables, negotiate terms, and deliver regular reports to the finance team in a fast-paced travel environment.

The role requires 3+ years in credit control or related Finance functions, strong Excel skills, and experience with accounting systems.

Qualifications

• 3+ years of experience in Credit Control, Accounts Receivable, Collections, or related Finance function.
• Proven experience managing credit risk, collections, and customer accounts.
• Strong understanding of AR processes and credit control procedures.

Responsibilities

• Credit Risk Management: Evaluate creditworthiness and set customer credit limits.
• Debt Collection & Receivables Management: Monitor balances and pursue overdue payments.
• Customer Account Management: Maintain records, reconcile accounts, and produce reports.
• Stakeholder Communication: Liaise with KAMs and customers to resolve payment issues and share updates.
• Compliance & Governance: Ensure adherence to policies and regulatory requirements.

Skills

Accounts Receivable

Credit Control

Negotiation

Financial Analysis

Stakeholder Management

Attention to Detail

Education

Any graduate qualification

Tools

MS Excel

Accounting Systems

Debt Collection Software

Job description

Roles & Responsibilities -

Credit Risk Management

• Evaluate and assess the creditworthiness of potential and existing customers.
• Establish and monitor customer credit limits based on financial stability.
• Conduct periodic credit reviews and update risk assessments.

Debt Collection & Receivables Management

• Monitor outstanding balances and follow up on overdue payments.
• Implement collection strategies to reduce bad debt exposure.
• Negotiate payment terms and repayment plans with customers.

Customer Account Management

• Maintain accurate records of customer accounts, credit limits, and payment history.
• Reconcile customer accounts and resolve discrepancies.
• Prepare and provide regular receivables and collections reports to the finance team.

Stakeholder Communication

• Liaise with Key Account Managers (KAMs) and customers to resolve payment-related issues.
• Communicate account status, payment expectations, and collection updates to customers.
• Prepare and distribute invoices, statements, and related documentation.

Compliance & Governance

• Ensure adherence to company policies, credit control procedures, and relevant regulatory requirements.

Preferred Candidate Profile -

Experience & Qualifications

• Any graduate qualification.
• Minimum 3+ years of experience in Credit Control, Accounts Receivable, Collections, or a related Finance function.
• Proven experience managing credit risk, collections, and customer accounts.

Technical Skills

• Strong understanding of Accounts Receivable and Credit Control processes.
• Experience in account reconciliation and debt recovery.
• Proficiency in MS Excel and financial/accounting systems.
• Ability to analyze financial data and assess customer credit risk.

Core Competencies

• Strong analytical and problem‑solving skills.
• Excellent negotiation and communication abilities.
• Ability to manage multiple priorities and work independently.
• High attention to detail and accuracy.

Personal Attributes

• Proactive and results-driven mindset.
• Ability to handle difficult collection conversations professionally and tactfully.
• Strong ethical standards, integrity, and accountability.
• Customer-focused with strong stakeholder management skills.