Key Responsibilities

1. Credit Policy & Risk Management

- Implement and enforce company credit policy across channels:
- Wholesale
- HoReCa
- Modern Trade
- Retail / Home Delivery
- Distributors, Online & Q-Commerce
- Assess customer creditworthiness and recommend:
- Credit limits
- Credit periods
- Security / advances where required
- Monitor exposure vs approved limits and flag risks proactively
- Review and rationalize credit terms periodically with Sales and CFO

2. Accounts Receivable Management

- Own end-to-end receivables lifecycle from invoicing to collection
- Monitor customer-wise and channel-wise outstanding balances
- Track ageing buckets (current, overdue, critical overdue)
- Ensure accurate and timely posting of invoices, credit notes, and receipts in SAP

3. Collections & Follow-ups

- Drive structured collection plans with clear follow-up schedules
- Coordinate with Sales and Operations for payment recovery without disrupting relationships
- Escalate chronic delays, disputes, and defaults to CFO
- Track promises to pay (PTPs) and ensure closure

4. Channel-wise Control & Discipline

- Manage different credit dynamics across channels:
- Strict controls for Wholesale / Distributors
- Structured compliance for Modern Trade
- Advance / fast settlement models for Q-Commerce & Online
- Ensure adherence to agreed payment cycles and deductions policies
- Track and validate trade schemes, claims, and deductions

5. Reconciliation & Dispute Management

- Resolve invoice disputes, short payments, and rate differences
- Coordinate with Sales, Supply Chain, and Finance to close open items
- Ensure timely issuance and adjustment of credit notes




- Maintain clean customer ledgers with minimal unreconciled balances

6. Reporting & MIS

- Prepare regular MIS for CFO and management covering:
- Total receivables & ageing
- Overdue analysis by customer, channel, and city
- Credit limit utilization
- Collection efficiency
- Highlight risk accounts and recommend corrective actions
- Support month-end and year-end closures

7. Systems & Process Control (SAP ECC)

- Operate and monitor AR processes in SAP ECC (FI-AR, SD integration)
- Ensure master data accuracy for customers (credit limits, payment terms)
- Strengthen SOPs, approval workflows, and audit controls
- Support internal and statutory audits related to receivables

Key KPIs

- DSO (Days Sales Outstanding)
- % Overdue Receivables
- Collection efficiency vs targets
- Credit limit breaches
- Dispute resolution cycle time
- Bad debt / write-off levels

Qualifications & Experience

- Graduate / Post-graduate in Commerce, Finance, or Accounting
- 6–10+ years of experience in credit control / AR management
- Experience in FMCG, food, perishables, or distribution businesses preferred
- Strong working knowledge of SAP ECC – FI / SD
- Good understanding of GST implications on receivables

Skills & Competencies

- Solid follow-up and negotiation skills
- Analytical and detail-oriented
- Ability to balance credit control with business relationships
- Assertive yet collaborative approach
- High integrity and process discipline

Role Interfaces

- CFO – policy, escalations, reporting
- Sales & Channel Heads – credit terms, collections
- Supply Chain & Dispatch – credit blocks and order release
- Finance & Accounting – reconciliation and closure

Pay: ₹60,000.00 - ₹75,000.00 per month

Work Location: In person

📌 Credit Control Manager - SAP Mandatory (Bandra West)
🏢 Indepesca Overseas
📍 Bandra West