Credit Management, Specialist

     Order Release Management:

• Evaluate and process blocked orders based on customer credit status, outstanding balances, and payment history.

• Liaise with sales, customer service, and finance teams to ensure timely resolution of credit holds and maintain service levels.

• Escalate high-risk cases and recommend alternative solutions to facilitate order release without compromising risk exposure.

  Customer Credit Assessment:

• Perform in-depth financial analysis and creditworthiness evaluations of new and existing customers.

• Review financial statements, conduct ratio analysis, and utilize external credit rating reports to determine credit limits.

• Continuously monitor customer portfolios and adjust credit lines as needed based on risk profile and market conditions.
  

  Credit Policy Compliance:

• Ensure credit decisions comply with internal credit policy and risk tolerance guidelines.

• Contribute to the development and refinement of credit policies and procedures.

• Train and guide internal stakeholders on credit processes and risk awareness.

  Risk Mitigation and Management:

• Identify customers with elevated risk levels and recommend appropriate risk mitigation tools such as: Credit insurance, Letters of credit, Bank guarantees, Advance payments

• Collaborate with legal and finance teams on drafting and implementing risk protection agreements.

     Reporting and Analysis/Collection Support:

• Generate regular credit risk reports and dashboards for senior management.

• Provide insights and analysis on customer payment behavior, credit utilization and risk trends.

• Maintain accurate and up-to-date credit master data in the ERP system.

• Support the collections team by providing credit risk insights and prioritizing high-risk receivables.

• Participate in customer meetings or calls to resolve overdue issues when required.

    Continuous Improvement:

• Identify process gaps and propose improvements in credit evaluation, monitoring, and risk mitigation.

• Stay up to date on industry best practices, regulatory changes, and economic trends affecting credit risk.

• Bachelor graduate and/or certificate of completion of job-related courses. Commerce/Finance preferred).

• 4+ of related experience, preferred in SSC/GBS/BPO environment.

• Experience with credit/debt instruments

• English written and verbal communication including ability to interact with all levels throughout the organization.

• SAP experience is mandatory.