Credit & Fraud Specialist

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.

• 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

• Support implementation of credit policies
• Monitor credit policy effectiveness
• Ensure consistent policy application
• Identify policy gaps and improvement opportunities
• Support risk mitigation initiatives

• 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

• 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

• Track credit performance metrics
• Provide credit risk reporting
• Identify trends and emerging risks
• Support forecasting and portfolio analysis

• 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

• Utility or energy industry experience
• Knowledge of credit risk and collections processes
• Experience with SAP, Salesforce, or similar systems
• Experience with credit bureau data

• 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.