Credit Risk Agent

2 months ago

Mumbai Maharashtra, India DHL Full time

Role Profile- Role Details- Role Title- Credit Risk Analyst- Reports to (title)- Credit Risk & Collection Team Leader / Supervisor- Corporate / Business Division- Express- Business Unit- Express- Career Function- Finance- Job Family- Accounts Receivable- Career Level- 1- Geographical scope- Country / (Sub-) regional- Grade- tbc- Role Purpose- To ensure that credit risk exposure on the entire AR ledgers is proactively analyzed and that adequate recommendations and, follow up actions are taken to constructively limit/mitigate the credit risk exposure, while maintaining compliance with order to cash policies and other collection strategies.- Date Profile Approved- November 2014-
- Global AR Process Tower- Scope of Role- Revenue of own unit [year]- Number of countries covered [year]- No. of FTEs [Total FTEs
in own area of responsibility]- Direct/Dotted Line reports [only first level of reports into the role]- n/a- n/a- n/a- n/a- Budget responsibility (including personnel cost)
in m or bn € [year]- Expected EBIT of own unit
in m or bn € [year]- Size of assets under management
in m or bn € [year]- Other relevant dimension- n/a- n/a- n/a- Specific Role context [brief explanation]- Specific Role Challenges [brief explanation]- Back Office Environment- Role involves direct customer interactions and negociations over the phone and by (e-) mails (incl. visits)- Accountabilities- Key Activities- Overall Goals / Typical Measures- Customer - Business Roles External- To perform credit analysis and financial statement reviews when onboarding new customers and, recommend trading terms and conditions in line with credit policies and guidelines
- To perform analysis on outstanding AR ledgers, determine potential risk customers and coordinate mitigation measures
- To perform in depth analysis on legal entity level in order to asses the potential risk customers and provide reporting and action plan towards collections, sales, CFO and OTC community at coutnry, regional and possibly global level
- To ensure adequate follow up upon identified risks and gaps
- To arrange, coordinate and lead regular meetings, visit customer and build towards an improved customer satisfaction while mitigating trading risks
- Bad Debt Provision
- Bad Debt Write Off (Freight & Duties)
- Bad Debt Expenses for Frauds, Legal Suspensions, and Bankrupties
- Bad Debt Expenses for un-collectable receivables
- Stakeholder - Business Roles External & Internal- To agree and coordiante credit risk mitigation measures with Sales, CMF, credit collection, credit administration, operation, H&G, CFO and OTC teams
- To advice and coordinate process improvement regarding to credit risk mitigations across the entire OTC chains
- Un-allocated cash at EOM
- Credit Balances & Down Payments
- Process- List of processes as per AR GOM/ROM 4.01 - 4.03
4.01 Credit checks
4.02 Credit risk monitoring
4.03 Credit risk mitigation- Ledger credit risk profile
'- Trial Balance Ageing- People - Management- N/A- DP DHL Competencies- Required Level- Level Requirement Statement- Making customers more successful- N/A- Proactively reviews and improves internal processes that do not meet the customer’s needs- Develops and delivers innovative solutions and services that create value for customers and DP DHL- Shaping direction- N/A- Anticipates potential risk and ensures appropriate contingency is agreed / built into plans and strategy- Integrates information from external best practice to develop strategies / plans- Driving high performance- N/A- Challenges others to make use of their decision making freedom- Regulary reviews progress with all stakeholders against targets and defines contingency plans- Developing others- N/A- Collaborates with collegues to implement new ideas and approaches learned through development- Proactively partners with new colleaguesto the area / organization to help them be more successful faster- Developing self- N/A- Is a role model across the area for the way they act- Proactively seeks out challenging projects outside of core experience and achieves solid results- Functional Competencies- Required Level- Level Requirement Statement
( depends of the customer but would set the minimum level on Preferred Supplier for a RCM)- Analytical skills- 2- Is able to gather and structure all data and information relevant for the analysis of an issue
is able to assess the right level of detail in the context of the big picture
Is able to identify patterns in the data
Is able to draw conclusions and identify options for action for simple issues
Is able to recognize obvious implications of the issue and cross-links with direct interfaces in the organization- Business communication- 2- Is able to proactively invite other people’s comments and suggestions
Is able to communicate simple to difficult messages effectively
Is able to communicate effectively with all colleagues and (internal / external) customers Is open to other people’s comments and suggestions- DPDHL bus

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