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
โข Conduct comprehensive credit assessments for new and existing clients.
โข Identify and evaluate potential fraud risks through data analysis and field investigations.
โข Perform due diligence on counterparties, including background checks and financial statement reviews.
โข Coordinate and oversee the RCU (Risk Credit Utilization) process, ensuring compliance with internal policies.
โข Collaborate with sales and legal teams to develop credit approval guidelines.
โข Monitor credit limits and exposure, recommending adjustments as needed.
โข Prepare and present credit risk reports to senior management.
โข Ensure timely collection and resolution of overdue accounts.
โข Lead the audit preparation for internal and external audits related to credit processes.
โข Continuously improve credit policies and procedures to reduce risk exposure.
๐ช๐ต๐ฎ๐ ๐ ๐ฎ๐ธ๐ฒ๐ ๐ฌ๐ผ๐ ๐ฎ ๐๐ฟ๐ฒ๐ฎ๐ ๐๐ถ๐
โข Minimum 3+ years of experience in credit management or related field.
โข Proven expertise in fraud identification and mitigation.
โข Strong background in cross-check field investigations.
โข Deep understanding of due diligence processes.
โข Experience managing the RCU process.
โข Excellent analytical and problemโsolving skills.
โข Strong communication and stakeholderโmanagement abilities.
โข Proficiency with credit assessment software and data analytics tools.
โข Bachelorโs degree in Finance, Commerce, or related discipline.
โข Ability to work effectively in a fastโpaced, dynamic environment.