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.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 exposureCredit Policy ExecutionSupport implementation of credit policiesMonitor credit policy effectivenessEnsure consistent policy applicationIdentify policy gaps and improvement opportunitiesMonitor credit exposure and delinquency trendsIdentify high‑risk segments and accountsEscalate high‑risk situationsOperational 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 escalationsReporting & AnalysisIdentify 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 dataAnalytical thinkingDecision‑making abilityStakeholder 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