Credit Manager - Working Capital

Job Summary:

The Credit Manager for Working Capital will oversee the assessment and management of credit risks associated with working capital financing. This position plays a crucial role in ensuring the financial health of the organization by optimizing cash flow and credit management strategies.

Key Responsibilities:

• Evaluate creditworthiness of clients and set appropriate credit limits to mitigate risks.
• Develop and implement effective credit policies and procedures to enhance working capital management.
• Monitor accounts receivable and proactively follow up on overdue accounts to ensure timely collections.
• Analyze financial statements and credit reports to make informed lending decisions.
• Collaborate with sales and finance teams to support clients with effective working capital solutions.
• Report on credit performance metrics and adjust strategies as necessary to meet organizational goals.
• Conduct regular training sessions for staff on best practices in credit management and risk assessment.

Requirements:

• Bachelor's degree in Finance, Accounting, or a related field.
• Minimum of 5 years of experience in credit management or financial analysis.
• Strong analytical skills with the ability to interpret financial data and reports.
• Excellent communication and interpersonal skills to interact with clients and stakeholders.
• Proficiency in financial software and Microsoft Office Suite, particularly Excel.
• Understanding of credit risk assessment tools and methodologies.
• Ability to work independently and make decisions in a fast-paced environment.

Preferred Qualifications:

• Master's degree in Finance, Business Administration, or a related area.
• Professional certification such as Certified Credit Professional (CCP) or Credit Risk Manager (CRM).
• Experience with treasury management and cash flow forecasting.
• Knowledge of relevant regulations and compliance standards in credit management.
• Familiarity with ERP systems and advanced credit management tools.

Benefits:

• Competitive salary with performance-based bonuses.
• Comprehensive health, dental, and vision insurance plans.
• Retirement savings plan with company matching contributions.
• Flexible working hours and remote work opportunities.
• Paid time off and holiday leave to support work-life balance.
• Professional development programs and ongoing training courses.
• Employee wellness initiatives and a supportive team environment.