Job Summary The Credit Specialist is responsible for supporting credit risk management, account review, credit policy execution, and exposure monitoring across the customer lifecycle. This role evaluates customer credit risk, supports credit decisioning, and helps minimize bad debt exposure while balancing customer experience and operational efficiency.The Credit Specialist works closely with Collections, Customer Care, Customer Acquisition, Finance, and Risk teams to ensure credit policies are applied consistently and credit exposure is properly managed.Essential Duties 1. Credit Risk Assessment & DecisioningReview customer accounts and assess credit riskPerform credit evaluations and account reviewsApply credit policies and procedures consistentlyRecommend credit limits, deposits, and payment termsMonitor high‑risk accounts and exposure2. Credit Policy ExecutionSupport implementation of credit policiesMonitor credit policy effectivenessEnsure consistent policy applicationIdentify policy gaps and improvement opportunitiesSupport risk mitigation initiatives3. Portfolio Monitoring & Risk ManagementMonitor credit exposure and delinquency trendsIdentify high‑risk segments and accountsSupport bad debt reduction strategiesMonitor credit performance metricsEscalate high‑risk situations4. Operational SupportSupport account investigations related to credit decisionsAssist with deposit reviews and adjustmentsSupport for exception handling and approvalsCoordinate with collections and customer care teamsSupport credit‑related escalations5. Reporting & AnalysisTrack credit performance metricsProvide credit risk reportingIdentify trends and emerging risksSupport forecasting and portfolio analysisMinimum Requirements3–5 years’ experience in credit, collections, or financial riskExperience in credit risk assessmentStrong analytical and decision‑making skillsExperience working with customer account systemsStrong attention to detailPreferred QualificationsUtility or energy industry experienceKnowledge of credit risk and collections processesExperience with SAP, Salesforce, or similar systemsExperience with credit bureau dataKey Skills & CompetenciesCredit risk assessmentAnalytical thinkingDecision‑making abilityAttention to detailStakeholder communicationProblem‑solving skillsNRG Energy is committed to providing broad access to employment opportunities for diverse job seekers, and to ensuring our workforce represents the diverse communities we serve. We abide by human rights legislation and accommodate applicants and employees in accordance with applicable law.#J-18808-Ljbffr