Position Summary:
Responsible for credit risk management of an assigned portfolio of customer accounts within the U.S. and Canadian markets.
This role supports credit risk assessment, optimizing cash flow, mitigating bad debt, and providing strategic credit options to hedge risk and maximize sales growth.
This position is vital to ensuring robust, commercially sound credit decisions that support our SNA sales teams.
Position will operate during hours required to effectively align with US & Canadian business operations/time zones.
Key Responsibilities:
Portfolio Management: Directly lead a select number of accounts within the U.S. and Canada portfolio
Financial Analysis: Analyze customer financial statements and assess the creditworthiness of corporate customers based in North America
Due Diligence: Conduct thorough due diligence, including customer interaction, credit screening, onboarding of new customers, and continuous monitoring of existing accounts
Credit Assessment: Assess credit limit requirements and recommend new limits or changes that align with the customer’s risk profile and comply with client's credit policy and delegation of authority
Reporting & Review: Prepare comprehensive quarterly/annual customer-level credit reviews
Order Management: Ensure timely review and controlled release of credit-blocked orders
Collaboration & Collections: Collaborate closely with AR collections team to achieve key performance indicators (KPIs) and manage direct customer collection efforts when escalation is required
System Administration: Maintain customer and credit master data within our systems (SAP preferred) and process new customer credit applications
Compliance: Manage customer sales tax exemption records and complete anti-money laundering (AML) and fraud screening procedures.
Preferred Skills:
Familiarity with credit insurance and utilization of credit scorecards
Collections escalation management experience
Accounting Standards: Knowledge of US GAAP and IFRS standards
Job Location- Pune (Viman Nagar)
• Minimum of 2–5 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 • Bachelor’s degree required, with a concentration in Finance, credit certification strongly preferred• Systems knowledge: SAP
