credit manager

Credit Manager - Working Capital

Job Summary:

The Credit Manager for Working Capital plays a crucial role in optimizing the company's financial health by assessing creditworthiness and managing risk in our working capital financing. This position is pivotal in ensuring sustainable growth, enhancing profitability, and supporting strategic business objectives through effective credit policies and practices.

Key Responsibilities:

• Evaluate and analyze the creditworthiness of clients and potential customers to ensure sound lending decisions.
• Develop and implement credit policies and procedures that align with industry best practices and organizational goals.
• Monitor and manage the working capital portfolio, ensuring timely collections and minimizing bad debts.
• Prepare detailed credit reports and presentations for senior management to support informed decision-making.
• Collaborate with sales and finance teams to identify key customer trends and risks, providing recommendations to mitigate potential issues.
• Conduct regular credit reviews and assessments to ensure customer credit limits are appropriate and reflect current conditions.
• Oversee and mentor the credit team, providing guidance on complex credit analysis and customer interactions.

Requirements:

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field.
• 5+ years of experience in credit management, financial analysis, or a similar role.
• Strong understanding of working capital financing and credit risk management principles.
• Proficient in financial modeling, credit scoring systems, and financial statement analysis.
• Excellent communication, negotiation, and relationship-building skills.
• Strong analytical mindset with the ability to interpret complex financial data.
• Familiarity with relevant regulatory requirements and compliance standards.

Preferred Qualifications:

• Certification in credit risk management (e.g., CCRA, CCE) or similar professional accreditation.
• Master’s degree in Finance, Business Administration, or a closely related field.
• Experience using credit risk assessment software and ERP systems.
• Proven track record in improving cash flow and working capital efficiency.
• Ability to lead cross-functional teams and manage projects effectively.

Benefits:

• Competitive salary and annual performance-based bonuses.
• Comprehensive health, dental, and vision insurance plans.
• Retirement savings plan with company matching contributions.
• Generous paid time off and holiday leave to promote work-life balance.
• Professional development opportunities, including training, workshops, and conferences.
• Flexible working arrangements, including remote work options.
• Employee wellness programs, including fitness classes and mental health support.

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