Credit Analyst

Job Title: Credit & Collections Specialist

Location: Bengaluru (Hybrid)

Shift: 2:00 PM 11:00 PM IST

Contract : 6 months (extendable)

Job Summary

We are seeking an energetic, detail-oriented, and experienced Credit & Collections Specialist to join our Finance team in Bengaluru. The ideal candidate will have strong experience in B2B credit, accounts receivable, and collections, with the ability to collaborate effectively across internal and external stakeholders. This role requires excellent analytical skills, sound judgment, and a proactive approach to accelerating cash collections while minimizing credit risk.

Key Responsibilities

• Manage collections activities for assigned customer portfolios and distribute Statements of Account (SOA)
• Review aging reports and proactively follow up on outstanding invoices to accelerate cash collections.
• Liaise with customers to obtain missing remittance information and coordinate with the Cash Applications team for accurate payment allocation.
• Partner with internal and external stakeholders to resolve disputes causing payment delays.
• Maintain accurate and timely updates of collection activities, promises to pay, disputes, and customer communications within collection systems.
• Support ad hoc requests from internal teams and external customers.
• Provide coverage for team members during planned or unplanned absences and manage portfolio-related queries.
• Review customer financial information and assign appropriate credit limits in accordance with company policies.
• Evaluate and release orders placed on credit hold based on risk assessment and payment history.
• Review and assess requests for non-standard payment terms and payment term extensions.

Required Qualifications & Experience

• Bachelor's Degree in Finance, Commerce, Accounting, or a related field
• Strong hands-on experience with D&B and credit safe.
• Minimum 3 years of experience in B2B Credit & Collections
• Strong knowledge of Accounts Receivable, Credit Analysis, and Collections processes.
• Experience reviewing customer financials and supporting credit decisions.
• Excellent written and verbal communication skills in English
• Ability to work independently while collaborating effectively within a team environment.
• Strong analytical, problem-solving, and critical thinking abilities.
• High level of integrity and discretion in handling confidential information.
• Proficiency in Microsoft Excel, Word, and Outlook.
• Strong customer service mindset with professional email and phone etiquette.
• Experience working with Oracle 11i/R12, CRM systems, Creditsafe, and D&B.
• Excellent organizational skills with the ability to prioritize and meet deadlines.
• Willingness to work the 2:00 PM 11:00 PM IST shift.

Preferred Qualifications

• Experience with GetPaid and Oracle CloudERP.
• High-level understanding of the Order-to-Cash (O2C) processes.
• Prior experience in a global shared services environment is an advantage.