Credit Assessment Lead

This role will be responsible for credit management activities for an assigned customer portfolio, including risk assessments, establishing credit limits, credit line increases, analysis of overall customer and portfolio credit exposures and optimizing balance of risk vs. reward, making recommendations on credit terms and contract language, managing high risk situations trigger events, and the negotiation and management of security necessary to support higher risk exposures.Role will be responsible for maintaining effective working relationships with internal customers (Sales, OTC, Finance, Legal, etc.) and external 3rd party trade customers, partnering with the business to influence deal structures and provide risk-based advice on customer credit matters,It will also be responsible for identifying and driving strategies/actions to deliver Credit and business unit goals, approving credit limits with delegated authority and securing approval for exposures exceeding individual authority, managing financial/credit risk for a customer portfolio according to the Downstream Credit Manual, and leading and/or provide support to regional/global Credit and Business initiatives.

Principal Accountabilities

• Assist and support Credit Manager with the development of credit strategies for assigned business. Support and execute the developed credit strategies.
• Primarily responsible for partnering with and providing advice to internal commercial and finance stakeholders, as well as external counterparties where applicable.
• Responsible for balancing business objectives against credit risk in accordance with policy and with direction from Credit Committees.
• Keep abreast with external macro trends and business strategy and evaluate its implication to portfolio being managed.
• Drive operational excellence in the area of credit management.

Key Interfaces

• Interfaces with the relevant classes of business within Finance and Centers of Excellence.
• Customer intimacy and deep business and commercial knowledge, particularly with high risk/strategic customers
• Interacts with E2E Risk & Operations team (CVA, Receivable Mgt, CAA), Customer Operations, all relevant teams to provide solutions for any problems arising.
• Requires regular communications with business GMs, VPs and Finance
• Direct interaction with Senior stakeholders across all functions

Required Skills and Experience:

• Minimum of 4 years of experience in a

  credit risk, credit structuring, or financial analysis role

  . Formal credit training from a bank of accredited association a plus.
• A Credit Risk background will be highly required for this opportunity
• Bachelors in finance, Accounting or related business degree; MBA or Chartered Accountancy a plus.
• Credit or Finance experience required with a strong understanding of financial statements, complex financial and risk analysis. Must be able to understand and interpret customer financial statements.
• Strong commercial acumen
• Excellent interpersonal, communication (verbal and written), and stakeholder management skills. Must have the professional competence and confidence to work effectively with both internal and external customers.
• Strong influencing and negotiating skills with ability to make tough decisions and assume accountability for those decisions.
• Ability to work decisions issues to a satisfactory conclusion while maintaining customer relationships.
• Must be positive, assertive, and self-motivated to achieve results. A strong team player and demonstrated evidence of leadership skills.
• Ability to analyze, interpret and visualize data to effectively convey insights and inform business decisions.
• Hindi Language required
• While a strong commercial acumen, financial analysis skills, sound risk management and decision-making skills are keys to success in this position, the successful candidate will need to be flexible and able to manage multiple priorities as well as manage the natural friction that occurs in a position charged with balancing risk and return in a large, dynamic customer portfolio.