Senior Credit Risk Manager

3 days ago

Karachi, Sindh, Pakistan beBeeCredit Full time 8,000,000 - 12,000,000

Job Title: Credit Risk Management Specialist

About the Job

We are seeking a skilled Credit Risk Management Specialist to join our team. As a key member of our finance department, you will be responsible for evaluating the creditworthiness of new and existing customers through financial analysis, market insights, and on-site visits.

Your role will support our Sales, Activation, and Billing teams during the customer onboarding and activation process. Once a customer is activated, you will monitor their account to identify overdue payments and initiate timely recovery actions to ensure effective credit management.

You will work closely with our Sales, Billing, and Customer Service teams to resolve disputes and billing queries. Additionally, you will prepare aging reports, risk dashboards, and bad debt provision inputs.

Key Responsibilities:
  • Monitor customer accounts to identify overdue payments and initiate timely recovery actions.
  • Evaluate new and existing customers' creditworthiness through financial analysis, market visits, and credit ratings.
  • Implement and maintain credit limits, terms, and exception handling as per company policy.
  • Coordinate with Sales, Billing, and Customer Service to resolve disputes and billing queries.
  • Prepare aging reports, risk dashboards, and bad debt provision inputs.
  • Recommend suspensions, write-offs, deposit release, and legal escalations for chronic defaulters.
  • Support in contract reviews, settlements, and customer reconciliations.
  • Conduct credit reviews periodically to mitigate financial exposure.
Requirements
  • Bachelor's or Master's degree in a relevant field such as Business Management and Finance.
  • Minimum 5 years of experience in Financial Evaluation or Credit Management, or related roles in a B2B environment preferably.
  • Strong understanding of industry practices.
  • Excellent analytical and problem-solving skills.
  • Teamwork and collaborative abilities.
  • Understanding of accounts receivable, ledgers, and basic accounting principles.
  • Awareness of bad debt provisions, credit risk, financial, and regulatory regulations.

This is an exciting opportunity to join a leading organization and contribute to its growth and success. If you are a motivated and results-driven individual with a passion for credit risk management, we encourage you to apply.

Benefits

We offer a competitive salary and benefits package, including opportunities for career growth and professional development. Our team is passionate about delivering exceptional service and making a positive impact on our customers' lives.

We are committed to creating a diverse and inclusive work environment that values teamwork, innovation, and excellence. If you share our values and are looking for a challenging and rewarding career opportunity, we look forward to hearing from you.

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