01Key Responsibilities
1. Portfolio Management: Directly lead a select number of accounts within the U.S. and Canada portfolio
2. Financial Analysis: Analyze customer financial statements and assess the creditworthiness of corporate customers based in North America
3. Due Diligence: Conduct thorough due diligence, including customer interaction, credit screening, onboarding of new customers, and continuous monitoring of existing accounts
4. Credit Assessment: Assess credit limit requirements and recommend current limits or changes that align with the customers risk profile and comply with client's credit policy and delegation of authority
5. Reporting & Review: Prepare comprehensive quarterly/annual customer-level credit reviews
6. Order Management: Ensure timely review and controlled release of credit-blocked orders
7. Collaboration & Collections: Collaborate closely with AR collections team to achieve key performance indicators (KPIs) and manage direct customer collection efforts when escalation is required
8. System Administration: Maintain customer and credit master data within our systems (SAP preferred) and process new customer credit applications
9. Compliance: Manage customer sales tax exemption records and complete anti-money laundering (AML) and fraud screening procedures.
10. Preferred Skills:
11. Familiarity with credit insurance and utilization of credit scorecards
12. Collections escalation management experience
13. Accounting Standards: Knowledge of US GAAP and IFRS standards
Job Location- Pune (Viman Nagar)
Qualifications
Minimum of 25 years of credit analysis and collection experience, preferably within a bank or finance institution focused on trade credit-related analysis Domain Expertise: Dynamic commercial credit and risk assessment experience, ideally within the wholesale distribution and retail industry segments of the US and Canadian markets Communication: Fluent and articulate English communication skills are essential, with the ability to clearly underwrite credit recommendations for Senior Management in North America Analytical Tools: Strong understanding of industry tools such as Dun & Bradstreet, as well as general Credit and Debt Ratings Extraordinary skills in financial statement analysis, evaluation of credit dynamics, experience with risk mitigation instruments and documentation Bachelors degree required, with a concentration in Finance, credit certification strongly preferred Systems knowledge: SAP .
