Credit Risk Assessment Officer

DSM - Bright Science. Brighter Living.

Royal DSM is a global science-based company active in health, nutrition, and materials. By connecting its unique competences in life sciences and materials sciences DSM is driving economic prosperity, environmental progress, and social advances to create sustainable value for all stakeholders simultaneously. DSM delivers innovative solutions that nourish, protect and improve performance in global markets such as food and dietary supplements, personal care, feed, medical devices, automotive, paints, electrical and electronics, life protection, alternative energy and bio-based materials. DSM and its associated companies deliver annual net sales of about €10 billion with approximately 25,000 employees. The company is listed on Euronext Amsterdam.

Are you someone with a strong personality looking for opportunities, thinking out of the box and share your vision and own your point of view?

We are looking for Credit Risk Assessment Officer. The role is based at Hyderabad.

**To assess the creditworthiness of DSM customers and advise credit limits so that the credit risk and working capital for all participating BG/BU/SUs is minimized.**

DSM Business Support (DBS) offers a range of services in the field of Finance, Processes & Systems and HR. Its portfolio is designed to allow its customers within the DSM BG/BU/SUs to focus on what they do best, knowing that key transactional activities are being managed on their behalf in a professional, cost-effective and compliant manner by DBS. DBS consists of a Shared Financial Service Center (SFSC), a Business Support Center HR NL (BSC-HR), a Shared Service Center (SSC), various functional departments and is a key player in Arjuna - Major change project. Since 2010, DBS is growing and undertaking major Organizational change including internationalization. Within the SFSC, the Credit Risk Assessment Center offers services to 17 BG/BUs and 7 SUs, spread globally.

**a) Key areas of accountability/responsibility**

1. Assess the creditworthiness of (potential) customers, expressed in risk categories, and advise credit limits per customer.

2. Keep the knowledge updated regarding customers’ creditworthiness by means of periodical reviewing, taking all available and valuable information into account, like financial reports, visit reports from sales, the internet and third parties.

3. Achieve the Key Performance Indicators (KPIs) that has been agreed with the BG/BU/SUs.

4. Keep up with financial developments in the assigned countries. Signal consequences with respect to credit risk issues in a timely way.

**b) Authorities**

1. To grant credit limits in accordance with the authorization rules.

2. To assess the customers’ credit risk category, being of crucial importance in respect to SAP’s blocking system. To establish or modify the credit risk category of customers.

**Educational Qualification**:

- Bachelor in finance or economics as a minimum desirable (any other degree would need to be supported by significant experience) - Fluent in English, written and spoken - Specific country and area knowledge in terms of the financial landscape - Specific BG/BU/SU and DSM products knowledge - Knowledge about DSM systems, like SAP - Specific knowledge about financials, legal aspects and collection.

**Required level of experiences**:
2-5 years of financial & accounting experience, including in credit risk assessment, preferably in a Business to Business (B2B) or Banking (commercial/ corporate lending/ credit appraisal)

Royal DSM is an equal employment opportunity and affirmative action employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, protected veteran status, status as a qualified individual with a disability, or any other characteristic protected by law.