Job Summary:
Key Responsibilities:
Develop, implement, and enforce credit policies and procedures in alignment with company and regulatory standards for the state.
Lead, mentor, and manage a team of credit analysts and officers, fostering a high-performance culture and ensuring continuous career development.
Conduct comprehensive credit risk assessments for current and existing clients, making informed decisions on credit limits and terms within delegated authority.
Monitor the credit portfolio's performance across the state, identifying trends, potential risks, and opportunities for improvement.
Implement effective strategies for debt recovery and delinquency management, working closely with collections teams to minimize bad debt.




Ensure strict adherence to all state and federal credit regulations, compliance requirements, and internal audit standards.
Collaborate with sales, operations, and finance departments to support business growth while maintaining prudent credit risk levels.
Prepare and present detailed credit reports, risk analyses, and performance metrics to senior management.
Identify and implement process improvements to enhance efficiency, accuracy, and customer satisfaction within the credit department.
Conduct regular training sessions for credit staff on best practices, policy updates, and recent tools.

📌 State Credit Manager Karnal
🏢 Ghrig People Solutions
📍 Karnal