AJC International: Junior Credit Specialist / Credit Specialist

We are seeking a highly skilled and detail-oriented Junior Credit Specialist / Credit Specialist to join the ISA-Helix Credit & Risk Management team. This position will play a key role in supporting the company’s credit and collections activities, focusing on managing customer credit exposure, driving collections performance, and ensuring sound risk assessment practices.

The ideal candidate will thrive in a fast-paced environment, bring strong financial and analytical expertise, and be able to build effective working relationships across internal teams and external partners.

This role requires excellent interpersonal skills and the ability to work collaboratively with team members and commercial leaders.

Key Responsibilities

1. Conduct thorough credit risk assessments on customers, including financial statement analysis, cash flow evaluation, and market/industry risk review.
2. Recommend credit limits and terms, ensuring alignment with company risk policies.
3. Monitor and analyze accounts receivable (AR) exposure, identifying high-risk accounts and implementing mitigation strategies.
4. Drive proactive collections activities, including direct customer engagement to resolve overdue balances.
5. Partner with Commercial, Logistics, Treasury, and Finance teams to align on customer risk strategies and resolve disputes.
6. Prepare detailed credit reports and dashboards to support decision-making by management.
7. Support compliance with company policies, controls, and regulatory requirements.
8. Provide mentorship and guidance to junior team members when needed.

Qualifications & Skills

1. Bachelor’s degree in Finance, Accounting, Economics, or related field
2. We are seeking recent graduates or candidates with at least one year of experience in credit and collections.
3. Strong financial analysis skills with proven ability to interpret balance sheets, income statements, and cash flow statements.
4. Excellent organizational skills with attention to detail and accuracy.
5. Strong communication and interpersonal skills, with the ability to build effective relationships and influence stakeholders.
6. Comfortable working under pressure and meeting tight deadlines.
7. Ability to create impactful relationships internally and externally.
8. Proficiency in Excel, PBI, and ERP systems.
9. Fluency in English required; additional language skills are a plus.

Personal Attributes

1. Analytical thinker with a solution-oriented mindset.
2. Resilient and adaptable in a dynamic, fast-moving environment.
3. Professional presence and approachable personality.
4. Team-oriented with strong collaboration skills.