Credit Manager (Working Capital)

Job Summary:

The Credit Manager (Working Capital) is responsible for overseeing the company’s credit policies and ensuring effective management of working capital. This position plays a critical role in optimizing cash flow, minimizing credit risk, and supporting the organization's financial health through strategic credit management practices.

Key Responsibilities:

• Develop and implement comprehensive credit policies and procedures to manage credit risk effectively.
• Analyze customer financial information, credit ratings, and payment history to assess creditworthiness.
• Monitor accounts receivable and work closely with sales teams to resolve payment discrepancies.
• Prepare and present regular reports on credit exposure and working capital metrics to senior management.
• Negotiate payment terms and conditions with clients to ensure timely collections.
• Conduct regular credit reviews and recommend credit limits for new and existing customers.
• Train and mentor junior staff in credit management practices and compliance standards.

Requirements:

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field.
• 5+ years of experience in credit management or a related finance role.
• Strong understanding of credit analysis, financial statements, and risk assessment.
• Proficiency in financial software and Microsoft Office Suite, particularly Excel.
• Excellent analytical skills with attention to detail and problem-solving abilities.
• Strong communication and interpersonal skills for effective client and stakeholder engagement.
• Ability to work independently and collaboratively in a fast-paced environment.

Preferred Qualifications:

• Master's degree in Finance or Business Administration.
• Professional certification such as Certified Credit Executive (CCE) or similar.
• Experience with credit management systems and enterprise resource planning (ERP) software.
• Previous experience in a multi-national corporation or within the industry.

Benefits:

• Competitive salary with performance-based bonuses.
• Comprehensive health, dental, and vision insurance plans.
• 401(k) plan with company match and financial planning resources.
• Flexible working hours and remote work options to support work-life balance.
• Professional development opportunities and tuition reimbursement.
• Generous paid time off policy including vacation, sick leave, and holidays.
• A vibrant company culture that encourages diversity, innovation, and community involvement.