Deputy Manager AR & Credit- - - - - - - - - - - -
MISSION : The credit analyst is responsible for the management of risk associated with a portfolio of customer accounts within their remit as part of the Group’s general credit policy, as well as for reconciling commercial objectives with financial imperatives.
Their responsibilities include:
• Risk assessment
• Making credit limit proposals
• Defining guarantees to be obtained
• Recommending provisions and bad debt write-offs
In some organizations they may be in contact with Sales and customers; in others with only credit teams.
They will report directly to a credit manager or a Company Finance Director.

KEY EXPECTED ACHIEVEMENTS
- Oversee Accounts Receivable operations across regions, driving global process standardization and compliance.
- Establish governance frameworks, KPIs, and SLA monitoring to ensure efficiency and accountability across AR/Credit teams.
- Deep knowledge of AR and risk associated with customer accounts (credit analysis)
- Defined, periodically updated,



credit limit for all customers based on risk assessment and needs of business
- • Guarantees obtained from customers renewed in timely fashion
- Sales (if need be customers) informed of defined credit limit and analysis of underlying risk
- Regular contacts maintained with customers to refine risk assessment, share business prospects, etc.
- Perform cash applications such as payment allocation to AR invoices, Resolve Unallocated Cash, Escalate unallocated cash, Direct Debit Rejections, Partial Payments.
- Managing Prepayments including Notification of advance payment, booking and clearing advance payment, Customers in Credit Balance, Submit payments to customers (Reimbursement), Control of interfaces; reconciliation of errors and resolution.
- Ensure timely reconciliation of customer accounts and bank receipts..
- Analyze financial statements, banking records, market information, and customer profiles to assess creditworthiness.
- Conduct deta

📌 Deputy Manager AR (Pune)
🏢 Michelin
📍 Pune