Credit & Fraud Specialist

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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 careers@nrg.com if you have any questions.