๐ง๐ต๐ถ๐ ๐ฟ๐ผ๐น๐ฒ ๐ถ๐ ๐ณ๐ผ๐ฟ ๐ผ๐ป๐ฒ ๐ผ๐ณ ๐๐ต๐ฒ ๐ช๐ฒ๐ฒ๐ธ๐ฑ๐ฎ๐'๐ ๐ฐ๐น๐ถ๐ฒ๐ป๐๐
๐ฆ๐ฎ๐น๐ฎ๐ฟ๐ ๐ฟ๐ฎ๐ป๐ด๐ฒ: ๐ฅ๐ ๐ฒ๐ฌ๐ฌ๐ฌ๐ฌ๐ฌ - ๐ฅ๐ ๐ญ๐ฎ๐ฌ๐ฌ๐ฌ๐ฌ๐ฌ (๐ถ๐ฒ ๐๐ก๐ฅ ๐ฒ-๐ญ๐ฎ ๐๐ฃ๐)
Experience: 3+ yrs
Location: Bengaluru
As a Credit Manager, you will be responsible for overseeing the credit approval processes, ensuring that all credit decisions align with the organizationโs risk appetite and financial objectives. You will lead a team of credit analysts, drive process improvements, and maintain strong relationships with stakeholders across the business. Your role will involve rigorous fraud identification, conducting field investigations, performing due diligence, and managing the RCU process to mitigate potential credit risks. By leveraging your analytical and investigative skills, you will safeguard the companyโs financial health while fostering a culture of compliance and due diligence.
Requirements
๐๐ฒ๐ ๐ฅ๐ฒ๐๐ฝ๐ผ๐ป๐๐ถ๐ฏ๐ถ๐น๐ถ๐๐ถ๐ฒ๐
โขConduct comprehensive credit assessments for new and existing clients.
โขIdentify and evaluate potential fraud risks through data analysis and field investigations.
โขPerform due diligence on counterparties, including background checks and financial statement reviews.
โขCoordinate and oversee the RCU (Risk Credit Utilization) process, ensuring compliance with internal policies.
โขCollaborate with sales and legal teams to develop credit approval guidelines.
โขMonitor credit limits and exposure, recommending adjustments as needed.
โขPrepare and present credit risk reports to senior management.
โขEnsure timely collection and resolution of overdue accounts.
โขLead the audit preparation for internal and external audits related to credit processes.
โขContinuously improve credit policies and procedures to reduce risk exposure.
๐ช๐ต๐ฎ๐ ๐ ๐ฎ๐ธ๐ฒ๐ ๐ฌ๐ผ๐ ๐ฎ ๐๐ฟ๐ฒ๐ฎ๐ ๐๐ถ๐
โขMinimum 3+ years of experience in credit management or related field.
โขProven expertise in fraud identification and mitigation.
โขStrong background in cross-check field investigations.
โขDeep understanding of due diligence processes.
โขExperience managing the RCU process.
โขExcellent analytical and problemโsolving skills.
โขStrong communication and stakeholderโmanagement abilities.
โขProficiency with credit assessment software and data analytics tools.
โขBachelorโs degree in Finance, Commerce, or related discipline.
โขAbility to work effectively in a fastโpaced, dynamic environment.