Credit Evaluator.Retail Ops - Lending Ops - UnSecured Loans.Credit Management

Key Responsibilities

* Review and assess credit applications submitted by customers.

* Analyze financial statements, bank references, trade references, and credit reports.

* Conduct credit risk assessments and recommend credit limits and payment terms.

* Monitor existing customer accounts and identify potential credit risks.

* Evaluate customer payment histories and credit trends.

* Coordinate with Sales, Finance, and other departments regarding customer credit matters.

* Prepare credit evaluation reports and recommendations for management approval.

* Maintain accurate customer credit records and documentation.

* Follow up on outstanding information required for credit assessments.

* Ensure compliance with internal credit policies and regulatory requirements.

* Assist in periodic reviews of customer credit limits and account statuses.

* Support collection activities when required by providing credit-related insights.

Qualifications and Experience

* High school / Bachelor’s degree in finance, Accounting, Business Administration, Economics, or a related field.

* Minimum of 2–5 years of experience in credit analysis, credit evaluation, finance, or a related role.

* Experience reviewing financial statements and assessing credit risk.

* Knowledge of credit management principles and financial analysis techniques.

* Proficiency in Microsoft Excel and ERP systems.

Skills and Competencies

* Strong analytical and problem-solving skills.

* Excellent attention to detail and accuracy.

* Ability to interpret financial data and credit reports.

* Effective communication and interpersonal skills.

* Strong organizational and time-management abilities.

* Ability to work independently and manage multiple priorities.

* Professional judgment and decision-making skills.

* Confidentiality and integrity in handling sensitive financial information.

Key Performance Indicators (KPIs)

* Timely processing of credit applications.

* Accuracy and quality of credit assessments.

* Reduction of bad debt exposure.

* Compliance with credit policies and procedures.

* Effectiveness of credit risk mitigation recommendations.

Employment Type

* Full-Time