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Job Purpose and Impact

• The Credit and Collection Senior Specialist performs complex assessments to minimize the organization's credit risk in support of the organization's financial stability. With minimal supervision, this job leads credit reporting, credit research, portfolio management, and account management initiatives in compliance with organizational and regulatory standards. This job also implements and partners to develop controls and policies to ensure financially sound credit decisions are made in the organization.

Key Accountabilities

• CUSTOMER ACCOUNTS: Leads customer account management activities, including tracking account status, following up on overdue accounts, and assessing customer portfolio risk.
• CREDIT ANALYSIS: Performs credit analyses and generates insights on credit trends, profitability, economics and collections activities to propose recommendations for credit decisions.
• DATA MANAGEMENT: Reviews credit related records, including customer profiles, credit limits and payment terms, to maintain data accuracy and integrity, and adherence to regulatory requirements.
• CREDIT REPORTING: Reviews detailed credit research and reports for accuracy to support account decision making, including researching credit history and applying credit knowledge to decide acceptable credit lines and payment terms for new customer and supplier accounts.
• COLLABORATION: Collaborates with cross functional teams and external parties to resolve complex credit related issues and disputes, applying advanced problem solving skills and a customer centric approach.
• RISK MANAGEMENT: Identifies and reviews potential sources of loss and estimates of potential financial consequences to minimize the company's credit risk.
• CREDIT CONTROL POLICY: Implements and partners to develop robust credit control policies and procedures to minimize credit risks, optimize cash flow management, and ensure compliance with industry standards.
• INDUSTRY EXPERTISE: Stays abreast of industry trends, regulatory changes, and emerging best in class industry standards in credit management, proactively finding opportunities for continuous improvement in processes, risk mitigation and credit operations.

Qualifications

• Minimum requirement of 4 years of relevant work experience. Typically reflects 5 years or more of relevant experience.

Preferred Qualifications

•    7 or more years of experience in corporate credit analysis, including exposure to high-risk portfolios and strategic credit decisions.
•    Advanced knowledge of credit risk assessment methodologies, tools, and collections practices (account collections, customer analysis, dispute resolution, payment negotiation and relationship management).
•    Ability to develop strategies to mitigate risk, including Bank Guarantees, LC, Collateral and ensure proactive implementations 
•    Demonstrated strategic thinking and decision-making in complex credit scenarios.
•    Meticulous attention to detail and ability to manage multiple priorities
•    Strong leadership in communication, ability to influence stakeholders and present to senior management (in both Local Language and English).
•    High proficiency in Ms Office Suite, ERP systems, and data visualization tools (e.g., Power BI, Excel, PowerPoint); ability to derive insights from complex datasets.
•    Proven ability to work independently and as part of a global team, willing to travel to customer locations
•    Deep understanding of local and international financial regulations and compliance frameworks.
•    Proficiency in SQL, and Python for advanced data analysis and automation.
•    Demonstrated ability to manage complex projects and mentor junior members.
•    Prior experience in leading roles within credit rating agencies or bureaus (e.g., Moody’s, CRISIL, ICRA).