Credit Manager Job Description [Free Template for 2026]
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A job description of a Credit Manager explains the key duties involved in managing a company’s credit and financial risks. It sets credit limits, approves or rejects credit requests, and ensures payments are collected on time.
They help protect the business from financial losses by analyzing credit reports, monitoring outstanding balances, and establishing clear credit policies. This role supports smoother cash flow, reduces bad debts, and maintains the company’s financial stability.
Credit Manager Job Description Template
A Credit Manager job description should clearly outline the key responsibilities and skills required to manage credit risk and ensure timely collections. The importance of credit policies reflects an organization’s commitment to ethical financial practices and work culture.
About Us
[Company Name] is a fast-growing organization offering reliable credit and financial risk management services. With a skilled team of over [X] professionals, we assess creditworthiness, manage credit operations, improve collections, and ensure policy compliance. Our teamwork, attention to detail, and strong values help reduce financial risks and support long-term growth.
Job Title: Credit Manager
Employment Type: [Full-time/Part-time/Contract]
Location: [Mention city/remote/hybrid option.]
Job Summary
[Write a crisp summary in 2–3 lines describing the purpose of the role and how it adds value to the organization.]
Responsibilities
- [Responsibility 1]
- [Responsibility 2]
- [Responsibility 3]
Qualifications
[List the educational background or certifications required. Example: Bachelor’s/Master’s degree in a relevant field.]
Skills and Abilities
- [Skill 1 – highlight technical or soft skills]
- [Skill 2]
- [Skill 3]
Experience: [Insert years of experience required and type of industry/domain exposure preferred.]
Working Hours: [State standard office hours or flexibility options.]
Salary and Benefits
- [Competitive salary/mention perks like PF, bonuses, health insurance]
- [Growth opportunities or career development programs]
Application Instructions
[Guide candidates clearly: “Apply by sending your CV to [email/ATS link] with subject line: Application for [Job Title]”.]
From the above template, you can choose the descriptions that best fit your job role and your organization’s requirements.
Credit Manager Job Description Sample
Global Risk Partners is a fast-growing organization offering reliable credit and financial risk management services. With a skilled team of over 150 professionals, we assess creditworthiness, manage credit operations, improve collections, and ensure compliance with financial policies. Our culture of teamwork and strong ethics helps us reduce financial risks, strengthen client portfolios, and support long-term growth.
Job Title: Credit Manager
Employment Type: Full-time
Location: Bangalore
Job Summary
We are looking for a Credit Manager to review credit applications, manage credit limits, and monitor outstanding payments. This role supports the organization by reducing financial risks and maintaining accurate credit records.
Responsibilities
- Review and approve customer credit applications, monitor overdue accounts, and follow up on pending payments.
- Maintain updated credit files and ensure compliance with policies.
- Lead end-to-end corporate credit underwriting and debt structures to assess creditworthiness.
- Prepare and present clear, data-backed credit memos with well-defined risk-mitigation and pricing recommendations.
- Manage assigned corporate portfolio by monitoring performance, risks, and restructuring, or escalation to reduce NPAs.
- Design credit policies, approval patterns, exposure limits, and risk-rating frameworks consistent with the organisation’s risk appetite.
- Manage and mentor a team of credit analysts, set KPIs, conduct performance reviews, and build credit underwriting capability.
- Build and maintain MIS and dashboards for portfolio monitoring, vintage analysis, stress-testing, and regulatory reporting.
- Coordinate with other teams, external auditors, rating agencies, banks, and legal advisors for due diligence and compliance.
- Continuously improve underwriting processes, automate checks, and implement best practices in credit risk governance.
Qualifications:
- Bachelor’s degree in Finance, Accounting, Business Administration, or related field.
- A Chartered Accountant (CA) or an MBA (Finance) from a reputed institute is essential.
Skills and Abilities:
- Strong analytical and decision-making skills.
- Good communication and negotiation skills.
- Ability to manage multiple accounts with attention to detail.
Experience:
- 3–5 years in credit control, finance, or related roles.
- 8+ years of experience in corporate credit analysis/underwriting, credit risk, or corporate banking, with at least 3 years in a lead/supervisory role preferred.
- Proven experience in handling corporate credit portfolios, restructuring, and NPA resolution (NBFC / Private Bank / Corporate Credit teams).
- Certifications such as CCRP, FRM, or equivalent are a plus.
Working Hours: Monday to Friday, 9:30 AM – 6:30 PM.
Salary and Benefits:
- Competitive salary with PF, bonuses, and health insurance.
- Professional development and growth opportunities.
Application Instructions
Apply by sending your CV to careers@globalriskpartners.in with the subject line: Application for Credit Manager.
Frequently Asked Questions
What is a Credit Manager?
A Credit Manager is a financial gatekeeper who decides who can borrow money from the business. They are responsible for examining the creditworthiness of potential customers. Their tasks range from evaluating financial statements and credit reports to negotiating loan terms and monitoring payments.
What does a Credit Manager do?
A Credit Manager reviews financial records to understand a customer’s ability to repay, approves or rejects credit requests, and follows up on overdue payments. They also ensure credit rules are followed and help reduce the company’s financial risk.
What are the Roles and Responsibilities of a Credit Manager?
The roles and responsibilities of a Credit Manager include reviewing credit applications, deciding credit limits based on customers’ financial strength, monitoring outstanding accounts and collections, and enforcing company credit policies to reduce risk.
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