Credit Management, Specialist

Order Release Management: Evaluate and process blocked orders based on customer credit status, outstanding balances, and payment history. Liaise with sales, customer service, and finance teams to ensure timely resolution of credit holds and maintain service levels. Escalate high-risk cases and recommend alternative solutions to facilitate order release without compromising risk exposure. Customer Credit Assessment: Perform in-depth financial analysis and creditworthiness evaluations of new and existing customers. Review financial statements, conduct ratio analysis, and utilize external credit rating reports to determine credit limits. Continuously monitor customer portfolios and adjust credit lines as needed based on risk profile and market conditions. Credit Policy Compliance: Ensure credit decisions comply with internal credit policy and risk tolerance guidelines. Contribute to the development and refinement of credit policies and procedures. Train and guide internal stakeholders on credit processes and risk awareness. Risk Mitigation and Management: Identify customers with elevated risk levels and recommend appropriate risk mitigation tools such as: Credit insurance, Letters of credit, Bank guarantees, Advance payments Collaborate with legal and finance teams on drafting and implementing risk protection agreements. Reporting and Analysis/Collection Support: Generate regular credit risk reports and dashboards for senior management. Provide insights and analysis on customer payment behavior, credit utilization and risk trends. Maintain accurate and up-to-date credit master data in the ERP system. Support the collections team by providing credit risk insights and prioritizing high-risk receivables. Participate in customer meetings or calls to resolve overdue issues when required. Continuous Improvement: Identify process gaps and propose improvements in credit evaluation, monitoring, and risk mitigation. Stay up to date on industry best practices, regulatory changes, and economic trends affecting credit risk. Bachelor graduate and/or certificate of completion of job-related courses. Commerce/Finance preferred). 4+ of related experience, preferred in SSC/GBS/BPO environment. Experience with credit/debt instruments English written and verbal communication including ability to interact with all levels throughout the organization. SAP experience is mandatory.