Credit Control Manager - SAP HANA Compulsory

Position: Credit Controller

Reporting To: Chief Financial Officer (CFO)

Location: Bandra West Mumbai Location Only

Business: Big Sam Seafood Processing & Distribution

Salary: upto: Range between 45k to 50k depending on Experience

Working Days: Monday to Saturday

Time: 10:00 am to 6:00 PM

Role Purpose

The Credit Controller is responsible for managing customer credit risk, collections, and receivables across all sales channels and locations. The role ensures timely collections, disciplined credit practices, and accurate receivable reporting, thereby supporting liquidity, cash flow, and profitable growth.

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
• 610+ 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

• Strong 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