Deputy Manager-Credit Risk Analyst_Pune

Job Description Who we are VOIS (Vodafone Intelligent Solutions) is a strategic arm of Vodafone Group Plc, creating value for customers by delivering intelligent solutions through Talent, Technology & Transformation. As the largest shared services organisation in the global telco industry with 30,000 FTE, our portfolio of next-generation solutions and services are designed in partnership with customers across Vodafone Group, local markets, and partner markets to simplify and drive growth. With our strategic partner Accenture, we work alongside our Vodafone customers, other Telco and tech companies to drive transformation, meet the challenges of our industry and ensure we stay relevant and resilient. This partnership is a unique, industry-first model which brings together the best of in-house and 3rd party capability. We work with customers across 28 countries from 10 VOIS locations: Albania, Egypt, Hungary, India, Romania, Spain, Turkey, UK, Germany, Ireland, and with a network of teams in Czech Republic, Italy, Greece, and Portugal. #VOIS #BeUnrivalled #CreateTheFuture About this Role We are seeking a highly analytical and detail-oriented Credit Risk Analyst to join our Credit to Collections team in Ahmedabad. This role is focused on evaluating and structuring leveraged transactions, assessing creditworthiness, and ensuring compliance with regulatory standards. The individual will play a key role in risk mitigation, reporting, and cross-functional collaboration to support strategic initiatives. What you will do - Evaluate the creditworthiness of potential and existing clients using financial analysis and risk modelling techniques - Support the structuring and negotiation of new leveraged transactions, ensuring alignment with internal risk appetite and market conditions - Develop and implement strategies to minimise exposure to credit risk - Monitor the credit risk portfolio, including KPIs such as bad debt, involuntary churn, and credit vetting rejections/approvals - Prepare detailed credit risk reports and present findings to senior management - Maintain accurate documentation for audit and compliance purposes - Ensure all credit risk activities comply with internal policies and external regulatory requirements - Collaborate with cross-functional teams to support ongoing risk-related projects and initiatives Who you are - Bachelor's degree in Finance, Economics, Business, or a related field (Master's preferred) - 3+ years of experience in credit risk analysis, preferably in leveraged finance or structured transactions - Strong understanding of financial statements, credit modelling, and risk assessment tools - Excellent communication and stakeholder management skills - Proficiency in Excel, PowerPoint, and risk management software Not a Perfect Fit Concerned you may not meet every requirement Vodafone is committed to creating an inclusive workplace where everyone can thrive. If you are excited about this role but your experience does not align exactly with every aspect of the job description, you are encouraged to apply. You may be the right candidate for this or another opportunity, and the recruitment team will support you in exploring where your skills fit best. What's in it for you While the JD does not specify benefits, based on the nature of the role and VOIS standards, you can expect: - Exposure to high-impact financial decision-making and risk strategy - Opportunities to work with senior leadership and cross-functional teams - A collaborative environment focused on continuous improvement and innovation - Access to internal learning platforms and career development programmes What skills you will learn - Advanced credit risk modelling and financial analysis techniques - Strategic thinking in structuring leveraged transactions - Regulatory compliance and audit readiness - Cross-functional collaboration and stakeholder engagement - Data-driven decision-making and reporting VOIS Equal Opportunity Employer Commitment Vodafone recognises and celebrates the value of diversity in building a workforce that reflects the customers and communities it serves. No form of discrimination is tolerated. This includes, but is not limited to, discrimination based on race, colour, age, veteran status, gender identity, gender expression, sexual orientation, pregnancy, maternity or parental status, ethnicity, disability, religion or belief, political affiliation, trade union membership, nationality, citizenship, indigenous status, medical condition, HIV status, neurodiversity, social origin, cultural background, marital or civil partnership status, or socio-economic background. Join Us At Vodafone, we're working hard to build a better future. A more connected, inclusive and sustainable world. As a dynamic global community, it's our human spirit, together with technology, that empowers us to achieve this. We challenge and innovate in order to connect people, businesses, and communities across the world. Delighting our customers and earning their loyalty drive us, and we experiment, learn fast and get it done, together. With us, you can be truly be yourself and belong, share inspiration, embrace new opportunities, thrive, and make a real difference. Alert Apply for Vodafone jobs only through the official Vodafone Careers website to avoid job scams and fraud. Follow us on social media and #StayConnected - - - - You can also chat with our employees to learn more about our projects: