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Mid-level generalist credit role, metro location, and broad skill set increase applicant competition.
Strong domain bias due to US/Canada credit expertise, US GAAP, and trade-credit experience requirements.
Explicit 2–5 years, US GAAP, SAP, and credit expertise create stringent shortlisting filters.
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Manage credit risk for a portfolio of customer accounts in the U.S. and Canadian markets to optimize cash flow and minimize bad debt.
Analyze financial statements, assess credit limits, and conduct due diligence including customer onboarding and continuous monitoring.
Collaborate with collections and manage credit-related system data (preferably SAP), ensuring compliance and timely credit decisions aligning with sales operations in North America time zones.
2–5 years of credit analysis and collection experience, preferably in banking or finance with trade credit focus.
Bachelor’s degree in Finance or related field; credit certification strongly preferred.
Experience with financial statement analysis, credit risk assessment, and knowledge of US GAAP and IFRS.
Fluent English communication skills; ability to articulate credit recommendations to senior management.
Experience managing credit risk and collections for US and Canadian markets, especially within wholesale distribution or retail sectors.
Proficient with credit assessment tools like Dun & Bradstreet, credit scorecards, and risk mitigation instruments.
Comfortable working US shift hours from Pune and interacting with North American senior stakeholders.