Debt Management Specialist

, India

Job Family Group:

Finance

Worker Type:

Regular

Posting Start Date:

September 10, 2025

Business unit:

Finance

Experience Level:

Early Careers

Job Description:

What's the role

Senior Analyst – Debt Management will be responsible for performing debt management activities for Shell India under Finance Operations.  

This role will require strong ownership and discipline in managing overdue-related incidents. It requires ability to analyze and prioritize overdue, combined with the skill to negotiate effectively while maximizing commercial opportunities and taking acceptable risks, together with strong, but firm interpersonal skills.

The role will involve close collaboration with other Credit functions, as well as internal/external stakeholders, including collection agencies. This is a senior operational role, expected to offer coaching and guidance to less senior colleagues.     

What you will be doing

• Chase, follow-up and ensure timely debt settlement from overdue customers, including high- risk and profile customers from the portfolio
• Negotiate & approve refinancing of overdue debts
• Manage overdue-related queries from customers and/or other internal and external stakeholders 
• Responsible for identifying when accounts requiring legal intervention e.g. if a customer files for bankruptcy 
• Align internally/externally and contact customers whose debts have been escalated to determine if settlement can be reached without involvement of legal or external agencies
• Perform regular follow-up of each file to ensure collection payment plans are being met and follow up to ensure proper escalation to legal or outside collection agency when necessary 
• Properly document all collection actions taken or agreed to and/or committed to by the customer.
• Manage, control and advice on portfolio, which is handled, including portfolio already handled by collection agency
• Manage, maintain relationship with external collection agency with credibility
• Be responsible for specific and general provisions process as per DCM and WI
• Identify potential write-off & obtain MOA and business approval when required
• Liase with legal departments and debt collection agencies on the status of recovery case
• Regularly reassess customers to determine provisions for recovery
• Keep up-to date on issues by holding regular discussions with Credit Underwriting Analysts, Credit/Risk Managers and sales teams
• Provide regularly and on an ad-hoc basis MI information about the inactive portfolio
• Monitor recovery rates whilst upkeep focus on cost efficiency
• Provide feedback about opportunities for continuous improvement.
• Manage Credit Activities  
• Provide interpretation of policy and guide colleagues on the principles of sound credit management
• Ensure compliance with MOA and DCM/OCM and take responsibility for Audit coordination and business control reviews
• Implement cross-border credit strategies and contribute/manage high profile projects which involve delivering presentations to very senior internal/external stakeholders
• Demonstrate CI mindset and adhere to core values while performing the activities assigned

What you bring

• Chartered Accountant (CA) Freshers or B.Com, M.Com, MBA in Accounting/Business preferred
• For degree holders, minimum of 5 years' experience in credit management with specific experience in credit and balance sheet analysis 
• Sound understanding of financial processes, especially debt management and provisioning, accounts receivable, and debt chasing
• Familiar with tools such as Microsoft Excel and SAP
• Must have experience in a multi-national company – preferably in Shared Services environment
• Exhibits excellent English communications skills (C1, written and oral)
• Ability to converse well in English and Hindi
• Good knowledge of controls framework
• Ability to work under high pressure and in a rapidly changing environment.
• Positively engages with others to improve business processes and performance where necessary 
• Strong interpersonal and communication skills, persuasive and firm in discussions (internal and external discussions) 
• Results focused team-player, with excellent communication skills and strong drive with Strong analytical skills 
• Strong problem-solving skills

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.

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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.

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