Vadodara — Full-time
This role is responsible for: - Assigning and monitoring credit limits - Ensuring timely collections - Reducing DSO and bad debt risk - Maintaining clean, defensible AR This is a control role, not a passive accounting position. The Credit Controller will actively gate risk, escalate issues, and protect cash flow. Key Responsibilities: Credit Management - Evaluate new and existing clients for creditworthiness - Assign, adjust, and enforce credit limits based on risk, payment behavior, and exposure - Review financials, trade references, credit reports (D&B, Experian, etc.) - Recommend credit holds, reductions, or prepayment where necessary Accounts Receivable Oversight - Own AR aging (Current, 1–30, 31–60, 61–90, 90+) - Proactively follow up on overdue invoices - Drive collections through structured cadence (email, calls, escalation) - Partner with Sales, Ops, and Finance to resolve disputes quickly Risk & Compliance Control - Flag high-risk accounts before exposure increases - Enforce payment terms consistently (Net 15 / Net 30 / Prepaid) - Document credit decisions and maintain audit-ready records - Ensure compliance with internal credit policies Reporting & Visibility - Produce weekly AR and credit risk reports - Track KPIs: DSO, overdue %, bad debt exposure, credit utilization - Surface risks early with clear recommendations Key Metrics You Will Own - Days Sales Outstanding (DSO) - % AR Current vs Overdue - 60+ and 90+ day AR exposure - Credit limit utilization - Bad debt write-offs (prevention focus) Required Qualifications - 3+ years experience in Credit Control / AR / Billing (US clients) - Strong understanding of US credit practices and payment terms - Hands-on experience assigning and enforcing credit limits - Proven success improving AR health and collections - Comfortable pushing back on Sales or Clients when risk is high - Strong Excel / Google Sheets skills - Experience with accounting or ERP systems (QuickBooks, NetSuite, Sage, etc.) Preferred (Nice to Have) - Experience in Logistics, Hospitality, SaaS, or B2B Services - Exposure to multi-entity or high-volume invoicing environments - Familiarity with credit bureaus (D&B, Experian, Equifax) - Experience working remotely with US-based stakeholders Behavioral Expectations - Detail-oriented, structured, and process-driven - Comfortable enforcing rules and saying “no” - Calm under pressure; escalation-ready - Cash-flow focused, not relationship-biased What Success Looks Like (90 Days) - Clean AR visibility with no surprises - Credit limits actively managed and documented - Noticeable reduction in overdue AR - Clear escalation and collection cadence in place Reporting Line Reports to: Finance Controller / Head of Finance