Specialist - T&s Credit Underwriting

India Job Family Group Finance Worker Type Regular Posting Start Date July 8 2025 Business unit Finance Experience Level Early Careers What s the role This role encompasses a wide range of tasks and covers the majority of business lines with which Shell is involved in e g Commercial Products Supply and Distribution Crude Products etc It therefore offers real variety and an opportunity to impact commercial outcomes We are seeking an individual to join the team that can think creatively has a passion to understand and critically assess the businesses with which Shell trades with through an understanding of the macro environment and is ready to bring ideas for continuous improvement Being part of a team of Credit Underwriters who undertake all regular often daily Credit Activities including Credit New Assessments Re-Assessments and ad hoc credit assessment requests specifically performing robust quantitative and qualitative analysis of the counterparties Shell trades with to confirm and recommend Credit Ratings Credit Limits and terms Regular Credit Operations specifically system updates and Credit Advice Operations are an important part of the Trading Supply Credit function requiring specialist fast and dependable service to avoid downside risk support the deal lifecycle and ensure it operates within the Credit control framework What you ll be doing Act as the day-to-day interface with the Global Credit team commercial and financial stakeholders to support and advise on the Credit Risk posed by counterparties delivered through the Credit Assessment process and performing Operational tasks relevant to the Credit function Tasks will include but not be limited to Conduct all Credit Activities as part of the underwriting customer counterparty ongoing maintenance process for all trading marketing businesses globally These include Evaluation of new and existing counterparties - the core part of the role includes performing Risk Assessment of existing customers achieved through assessment and analysis of Business Model i e Competitive Positioning financial performance and inherent macro and sovereign risks to determine appropriate Credit Rating and Credit Limit Specific focus on higher risk i e credit limits above 50m and low investment grade non-investment grade or unrated status counterparties who require more comprehensive assessments and high levels of approval from senior leaders in the organization Monitor and assess counterparties on an ad hoc basis as requested by the relevant global underwriting team Data Integrity - Update and maintain the relevant Credit systems through the Credit Assessment life cycle in particular updating new Credit Ratings and Open Credit Lines and communicating the outcome of assessments to relevant stakeholders notably the Commercial Credit Managers and the commercial business Perform ongoing often daily Credit Operational activities which include but not limited to Effective operation of regular data integrity control which aligns all system data with the relevant credit data approved within each credit assessment Contracting matters - ad hoc queries on contracts and securities including liaison with Relevant Credit Managers Support the Commercial Business - Provide interpretation of credit policy and guide the businesses on the principles of sound credit management Keep up to date on issues within the businesses by having close relationships with the sales managers and reading information from industry sources Coaching more junior members of the team and helping support our colleagues across all STn Offices What you bring At least 5 to 10 years of working experience Bachelor s Degree or equivalent Strong financial analysis skills Credit risk assessment expertise Understanding of macroeconomic and sectoral risks Data integrity and system proficiency Relevant finance or credit experience Experience in global or virtual teams Stakeholder engagement Attention to detail Decision-making under pressure Coaching and leadership Nice to have Experience with trading systems or knowledge of the energy or commodities trading sector What we offer You bring your skills and experience to Shell and in return you work with talented committed people on one of the most important challenges facing our planet You ll have the opportunity to develop the skills you need to grow in an environment where we value honesty integrity and respect for one another You ll be able to balance your priorities as you become the best version of yourself Progress as a person as we work on the energy transition together Continuously grow the transferable skills you need to get ahead Work at the forefront of technology trends and practices Collaborate with experienced colleagues with unique expertise Achieve your balance in a values-led culture that encourages you to be the best version of yourself Join an organisation working to become one of the most diverse and inclusive in the world We strongly encourage applicants of all genders ages ethnicities cultures abilities sexual orientation and life experiences to apply Grow as you progress through diverse career opportunities in national and international teams Gain access to a wide range of training and development programmes An Inclusive Progressive Place to Work To power progress together we need to attract and develop the brightest minds and make sure every voice is heard Here are just some of the ways we re nurturing an inclusive environment - one where you can express your ideas extend your skills and reach your potential We re creating a space where people with disabilities can excel through transparent recruitment process workplace adjustments and ongoing support in their roles Feel free to let us know about your circumstances when you apply and we ll take it from there We re closing the gender gap - whether that s through action on equal pay or by enabling more women to reach senior roles in engineering and technology We re striving to be a pioneer of an inclusive and diverse workplace promoting equality for employees regardless of sexual orientation or gender identity Shell in India Shell is a diversified energy company in India with 13 000 employees and presence in Integrated Gas Downstream Power Renewable and Upstream Additionally we have deep capabilities in R D digitalisation and business operations Our global strategy Powering Progress is designed to generate value for our shareholders customers and the wider society and focuses on creating more value with less emissions The strategy supports our purpose of providing more and cleaner energy solutions with the aim of profitably transforming Shell into a net-zero emissions energy business by 2050 As India moves towards its target of net-zero emissions by 2070 Shell India aims to play a leading role in securing vital energy for today while investing in and helping to build the energy system of the future through strategic investments in the country Our Lubricants business serves over 50 000 consumers through a strong network of over 200 distributors and operates an end-to-end value chain that spans conceptualization development and production at a world-class blending plant at Taloja Through our 350-plus retail stations we offer an integrated mobility experience including fuels cafes and convenience stores with a prominent network of EV recharging facilities Shell owns and operates a LNG re-gasification terminal at Hazira Surat with a capacity of 5 MTPA and a LNG truck-loading unit that plays a crucial role in helping meet India s growing demand for gas across sectors In 2022 Shell acquired Sprng Energy in a 1 55 billion deal to build an integrated energy transition business in the country Sprng is a leading renewable energy company in India which develops and manages solar wind and hybrid power generation facilities and infrastructure Our three capability centres across Bangalore and Chennai serve as a technology and innovation powerhouse for Shell globally working as a delivery engine for core technical digital and finance processes pioneering digital innovation and cutting-edge technologies across the energy sector We also have strong academic partnerships and collaborations with leading universities and technology institutes to accelerate decarbonization efforts within the energy sector We are committed to positively contributing to the communities in which we operate through programmes on STEM Education Skilling and Livelihood across India We nurture and invest in startups developing initiatives focused on accelerating energy innovation through programs such as Shell E4 and Shell Eco-marathon We also have strategic investments in new energy companies such as Husk Power d light Orb Energy and Cleantech Solar - DISCLAIMER Please note We occasionally amend or withdraw Shell jobs and reserve the right to do so at any time including prior to the advertised closing date Before applying you are advised to read our data protection policy This policy describes the processing that may be associated with your personal data and informs you that your personal data may be transferred to Shell Shell Group companies around the world The Shell Group and its approved recruitment consultants will never ask you for a fee to process or consider your application for a career with Shell Anyone who demands such a fee is not an authorised Shell representative and you are strongly advised to refuse any such demand Shell is an Equal Opportunity Employer