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