Credit Analyst

Overview

Independently assesses the financial status of medium-value customers, sets credit limits, manages medium credit limit accounts, and resolves credit-related matters and payment disputes.

What you'll do

• Utilize financial statements to independently assess the financial status of medium monetary value customers and determine credit limit recommendations.
• Manage accounts of customers with medium credit limits independently, resolve credit-related matters, and present credit recommendations to management.
• Negotiate initial payments with customers and the organization's sales personnel, facilitating purchases beyond credit limits.
• Conduct thorough analysis and research on customer receivables account delinquencies, selecting appropriate communication methods to facilitate payments.
• Resolve disputes pertaining to customer payments on overdue accounts independently, negotiating to ensure prompt payments.
• Identify trends of non-payment and collaborate with internal partners across various levels to address and rectify issues.
• Initiate dispute resolution procedures with internal organization counterparts, ensuring thorough issue tracking and resolution for both the organization and the customer.
• Analyze customers at risk and collaborate with partners to devise effective account strategies for averting delinquencies.
• Solve difficult and complex problems with a fresh perspective, demonstrating good judgment in selecting creative solutions and managing projects independently.
• Lead moderate to high complexity projects, deliver professionally written reports, and support the realization of operational and strategic plans.

What you'll need

• Four-year or Graduate Degree in Business Administration, Economics, Finance, or any other related discipline, or commensurate work experience or demonstrated competence.
• Typically 4-7 years of work experience, preferably in collection, credit, banking, or a related field, or an advanced degree with 3-5 years of work experience.
• Knowledge and skills in accounting, auditing, credit analysis, credit risk, credit risk management, data analysis, due diligence, economics, finance, financial analysis, financial services, financial statements, loans, marketing, portfolio management, risk analysis, risk appetite, risk management, SQL (programming language), and underwriting.
• Cross-org skills in effective communication, results orientation, learning agility, digital fluency, and customer centricity.

Nice to have

• Certified Accounts Payable Professional (CAPP).
• Certified Professional in Credit and Collections (CPCC).

Details

• Location: Bengaluru, Karnataka, India.
• Full-time, first shift (India).
• Impacts multiple teams and may act as a team or project leader, providing direction to team activities and facilitating information validation and team decision making.
• Responds to moderately complex issues within established guidelines.
• No travel; no relocation.