Credit Manager

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 organization’s 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 company’s financial health while fostering a culture of compliance and due diligence.

Requirements

• Conduct comprehensive credit assessments for new and existing clients.

• Identify and evaluate potential fraud risks through data analysis and field investigations.

• Perform due diligence on counterparties, including background checks and financial statement reviews.

• Coordinate and oversee the RCU (Risk Credit Utilization) process, ensuring compliance with internal policies.

• Collaborate with sales and legal teams to develop credit approval guidelines.

• Monitor credit limits and exposure, recommending adjustments as needed.

• Prepare and present credit risk reports to senior management.

• Ensure timely collection and resolution of overdue accounts.

• Lead the audit preparation for internal and external audits related to credit processes.

• Continuously improve credit policies and procedures to reduce risk exposure.

• Minimum 3+ years of experience in credit management or related field.

• Proven expertise in fraud identification and mitigation.

• Strong background in cross-check field investigations.

• Deep understanding of due diligence processes.

• Experience managing the RCU process.

• Excellent analytical and problem‑solving skills.

• Strong communication and stakeholder‑management abilities.

• Proficiency with credit assessment software and data analytics tools.

• Bachelor’s degree in Finance, Commerce, or related discipline.

• Ability to work effectively in a fast‑paced, dynamic environment.