Deputy Manager / Manager - Credit Control

Role Summary:

Person will be responsible for evaluating credit risk, assessing financial viability of new and existing customers, and partnering with the business to ensure profitable and risk mitigated growth. The role requires strong financial analysis, sound judgment, and effective stakeholder management to negotiate appropriate commercial and credit terms.

Key Responsibilities:

1. Credit Evaluation & Risk Assessment

• Analyze client financial statements, annual reports, cash flow statements, and other financial data to assess creditworthiness.
• Identify potential credit risks associated with new and existing clients and recommend mitigating actions.
• Negotiate credit terms with business teams to balance growth and risk exposure.

2. Evaluation of New Business Opportunities

• Evaluate new opportunities from a financial and credit risk perspective.
• Support decision-making on client onboarding by providing structured financial insights and recommendations.

3. Bid Review Management

• Review bids from a credit and financial standpoint.

4. Pricing & Commercial Evaluation

• Support pricing decisions at client acquisition stage.
• Perform CCM and other commercial computations to ensure deals meet organizational profitability thresholds.
• Monitor customer-wise profitability and flag deviations or concerns proactively.

5. Understanding of OTC process

• Strong understanding of the Order-to-Cash (OTC) cycle, including credit management, invoicing, collections, and dispute resolution.
• Work closely with OTC teams to ensure timely billing, effective AR management, and adherence to agreed credit terms.

Key Skills & Competencies:

• Strong financial analysis and credit evaluation skills
• Proficiency in analyzing balance sheets, P&L, and cash flow statements
• Commercial acumen with ability to negotiate credit and payment terms
• Strong stakeholder management and business partnering skills
• Attention to detail with a risk-focused mindset
• Good working knowledge of MS Excel and financial models