Senior Credit Analyst

4 weeks ago

Kolkata, West Bengal, India TD SYNNEX Full time
Job Description

Purpose Statement

  • Conduct thorough credit evaluations and analyses to ensure accurate financial assessments.
  • Manage accounts receivable (AR) and ensure timely collections.
  • Collaborate with finance and accounting teams to maintain accurate financial records and reports.

Dimensions

  • Analyze and evaluate the financial positions of customers and vendors on a daily basis.
  • Ensure on-time-in-full (OTIF) collection and follow up on outstanding AR on a weekly basis.
  • Participate in external audits and tax compliance, as well as finance reporting on a monthly basis.

Key Accountabilities:

Credit Analysis and Evaluation

  • Develop and maintain expertise in financial statement analysis and credit risk assessment.
  • Calculate and interpret key financial ratios, such as profitability, liquidity, and effectiveness ratios.
  • Recommend and implement credit limits for customers based on thorough business justification.
  • Ensure accurate and up-to-date credit limits in the company's systems.

AR Management

  • Regularly update AR status and collection progress to management.
  • Target to reduce AR days to improve working capital status.
  • Collaborate with insurance companies to mitigate credit risks.
  • Ensure no bad debts and follow up on any legal actions related to AR collection.
  • Maintain accurate customer master data.

Finance and Accounting Process

  • Assist the finance manager in external audit processes.
  • Update actual financial reports, including P&L, cash flow, AR, and AP management.
  • Monitor top 10 vendors in terms of revenue and CM2.
  • Monitor top 20 customers and work with relevant stakeholders to build and follow incentives schemes.
  • Provide quarterly briefs on balance sheet and P&L reports.
  • Support tax-related activities, including VAT and WHT declarations, payments, and settlements.
  • Manage cash flow and provide daily cash reports to the treasury team.
  • Develop and maintain a 18-month rolling funding plan.
  • Maximize fixed deposits by utilizing idle cash regularly.

People

  • Build and maintain relationships with finance department, internal stakeholders, business partners, and external suppliers.
  • Review work processes and systems to improve efficiency and accountability.
  • Ensure that own roles are assigned operate under an effective control environment.
  • Engage in self-development activities.

Context

  • This position requires ensuring that documents align with company procedures and policies, and that payments are accurate (amount and supplier).
  • Compliance with VAS, local tax regulations, and other relevant regulations, such as social insurance, statistics, and administration affairs.

Knowledge, Skills, and Experience

  • Diploma in accounting.
  • ACCA and Big4 background are preferred.
  • Good knowledge of financial accounting.
  • SAP system is preferred.
  • Maintain supportive relationships with other finance departments and functional departments.
  • Behave in a constructive and professional manner when dealing with internal and external business contacts.
  • Intermediate-level knowledge of modern accounting and accountancy practices and techniques, including some actual prior accounting and finance experiences (more than 2 years) either in an accounting/audit/consultancy company.

Key Skills

  • Ability to communicate effectively with a cross-functional audience.
  • Capacity to adapt behavior to cope with changing environments and processes.
  • Ability to propose solutions and reasonable communication and influencing skills.
  • A person who works well with guidance but is also self-motivated.
  • Spoken and written English must be of a high standard.

Key Success Factors

  • Align with the company policy as well as local tax regulations.
  • AR monthly reconciliation.
  • Clear on a monthly basis with no pending or old ageing items.
  • Timely and accurate posting and report submission.

Working Relationship

Internal:

Line manager, peers, stakeholders.

External:

Internal auditors, external auditors, suppliers, and local authorities.

Additional Comments

  • Effective working relationship with line manager, peers, and cross-functional departments team across the organization.
  • Ability to work in the field with little supervision.
  • Self-motivated to conduct tasks assigned and reviews on-time/in full.
  • High level of understanding of processes and controls to identify opportunities for improvements.
  • Ability to negotiate and manage discussions with senior managers to effectively conduct task reviews.

What's In It For You?

  • Elective Benefits: Our programs are tailored to your country to best accommodate your lifestyle.
  • Grow Your Career: Accelerate your path to success (and keep up with the future) with formal programs on leadership and professional development, and many more on-demand courses.
  • Elevate Your Personal Well-Being: Boost your financial, physical, and mental well-being through seminars, events, and our global Life Empowerment Assistance Program.
  • Diversity, Equity & Inclusion: It's not just a phrase to us; valuing every voice is how we succeed. Join us in celebrating our global diversity through inclusive education, meaningful peer-to-peer conversations, and equitable growth and development opportunities.
  • Make the Most of our Global Organization: Network with other new co-workers within your first 30 days through our onboarding program.
  • Connect with Your Community: Participate in internal, peer-led inclusive communities and activities, including business resource groups, local volunteering events, and more environmental and social initiatives.

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