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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 & Decisioning
Review customer accounts and assess credit risk
Perform credit evaluations and account reviews
Apply credit policies and procedures consistently
Recommend credit limits, deposits, and payment terms
Monitor high-risk accounts and exposure
2. Credit Policy Execution
Support implementation of credit policies
Monitor credit policy effectiveness
Ensure consistent policy application
Identify policy gaps and improvement opportunities
Support risk mitigation initiatives
3. Portfolio Monitoring & Risk Management
Monitor credit exposure and delinquency trends
Identify high-risk segments and accounts
Support bad debt reduction strategies
Monitor credit performance metrics
Escalate high-risk situations
4. Operational Support
Support account investigations related to credit decisions
Assist with deposit reviews and adjustments
Support for exception handling and approvals
Coordinate with collections and customer care teams
Support credit-related escalations
5. Reporting & Analysis
Track credit performance metrics
Provide credit risk reporting
Identify trends and emerging risks
Support forecasting and portfolio analysis
Minimum Requirements
3–5 years’ experience in credit, collections, or financial risk
Experience in credit risk assessment
Strong analytical and decision-making skills
Experience working with customer account systems
Strong attention to detail
Preferred Qualifications
Utility or energy industry experience
Knowledge of credit risk and collections processes
Experience with SAP, Salesforce, or similar systems
Experience with credit bureau data
Key Skills & Competencies
Credit risk assessment
Analytical thinking
Decision-making ability
Attention to detail
Stakeholder communication
Problem-solving skills
NRG 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.
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DEML employs individuals in the Provinces of Alberta, Ontario, British Columbia, and Saskatchewan. We regret that we will be unable to hire you for this role if your regular remote work location is not within one of these listed provinces. Please reach out to
[email protected] if you have any questions.