Credit Assessment Lead

8 hours ago


Chennai, Tamil Nadu, India Shell Full time ₹ 12,00,000 - ₹ 36,00,000 per year

Business unit:

Finance

Experience Level:

Experienced Professionals

Job Description:

This position is responsible for the credit risk analysis and management of a portfolio of accounts, working with customers and the business to optimize risk and return.

Directly manage a portfolio of complex customer credit relationships that present high risk high value at risk and participate in the commercial deal process to optimize business returns by providing commercial insights, solutions, and advice which enable the business to optimize customer/portfolio risk vs. reward and achieve business objectives.

This role will be responsible for credit management activities for an assigned customer portfolio, including risk assessments, establishing credit limits, credit line increases, analysis of overall customer and portfolio credit exposures and optimizing balance of risk vs. reward, making recommendations on credit terms and contract language, managing high risk situations trigger events, and the negotiation and management of security necessary to support higher risk exposures.

Role will be responsible for maintaining effective working relationships with internal customers (Sales, OTC, Finance, Legal, etc.) and external 3rd party trade customers, partnering with the business to influence deal structures and provide risk-based advice on customer credit matters,

It will also be responsible for identifying and driving strategies/actions to deliver Credit and business unit goals, approving credit limits with delegated authority and securing approval for exposures exceeding individual authority, managing financial/credit risk for a customer portfolio according to the Downstream Credit Manual, and leading and/or provide support to regional/global Credit and Business initiatives.

Principal Accountabilities

  • Assist and support Credit Manager with the development of credit strategies for assigned business. Support and execute the developed credit strategies.
  • Primarily responsible for partnering with and providing advice to internal commercial and finance stakeholders, as well as external counterparties where applicable.
  • Responsible for balancing business objectives against credit risk in accordance with policy and with direction from Credit Committees.
  • Keep abreast with external macro trends and business strategy and evaluate its implication to portfolio being managed.
  • Drive operational excellence in the area of credit management.

Key Interfaces

  • Interfaces with the relevant classes of business within Finance and Centers of Excellence.
  • Customer intimacy and deep business and commercial knowledge, particularly with high risk/strategic customers
  • Interacts with E2E Risk & Operations team (CVA, Receivable Mgt, CAA), Customer Operations, all relevant teams to provide solutions for any problems arising.
  • Requires regular communications with business GMs, VPs and Finance
  • Direct interaction with Senior stakeholders across all functions

Required Skills and Experience:

  • Minimum of 4 years of experience in a credit risk, credit structuring, or financial analysis role. Formal credit training from a bank of accredited association a plus.
  • A Credit Risk background will be highly required for this opportunity
  • Bachelors in finance, Accounting or related business degree; MBA or Chartered Accountancy a plus.
  • Credit or Finance experience required with a strong understanding of financial statements, complex financial and risk analysis. Must be able to understand and interpret customer financial statements.
  • Strong commercial acumen
  • Excellent interpersonal, communication (verbal and written), and stakeholder management skills. Must have the professional competence and confidence to work effectively with both internal and external customers.
  • Strong influencing and negotiating skills with ability to make tough decisions and assume accountability for those decisions.
  • Ability to work decisions issues to a satisfactory conclusion while maintaining customer relationships.
  • Must be positive, assertive, and self-motivated to achieve results. A strong team player and demonstrated evidence of leadership skills.
  • Ability to analyze, interpret and visualize data to effectively convey insights and inform business decisions.
  • Hindi Language required
  • While a strong commercial acumen, financial analysis skills, sound risk management and decision-making skills are keys to success in this position, the successful candidate will need to be flexible and able to manage multiple priorities as well as manage the natural friction that occurs in a position charged with balancing risk and return in a large, dynamic customer portfolio.


  • Chennai, Tamil Nadu, India Crisil Full time ₹ 12,00,000 - ₹ 36,00,000 per year

    The role entails counterparty credit risk assessment of financial institutions. The key activities include research and analysis of global financial institutions to assess their credit strength. Prepare detailed credit risk assessment reports for FI credits that involve analysis of factors such as the operating environment, business strength, financial...

  • Gain Credit

    3 weeks ago


    Chennai, Tamil Nadu, India GAIN Credit Full time

    Founded in 2003, GAIN Credit is a tech-forward, inclusive, and responsible business using world-class innovative technology and data science to provide endless gaining opportunities for customers, employees, and merchants alike. At GAIN Credit, our mission is to empower lives, which is about providing solutions that meet the credit needs of society in an...


  • Chennai, Tamil Nadu, India MAS Financial Services Full time ₹ 15,00,000 - ₹ 25,00,000 per year

    We're Hiring: Regional Credit Manager Commercial Vehicle | ChennaiCompany: MAS Financial Services Ltd.Location: Chennai, Tamil NaduPosition: Regional Credit Manager Commercial VehicleExperience: 6+ years in Commercial Vehicle credit/risk assessmentRegion Covered: Tamil NaduAbout the Role: MAS Financial is looking for a dynamic and experienced Regional Credit...

  • Credit Manager

    4 weeks ago


    Chennai, Tamil Nadu, India Tata Mutual Fund Full time

    Job DescriptionJob Description103291. Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.2. Under write proposals as per the laid down policies & procedure to honor the agreed SLAs and manage city/area business volumes.3. Conduct personal...


  • Chennai, Tamil Nadu, India Kiya Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    Job Title: Credit Analyst Asset & Investment ManagementLocation: [Specify location]Experience: 6 months to 2 yrsWorking Model: Work from OfficeJob Description:We are looking for a detail-driven and financially sound Credit Analyst to join our asset management division. The role requires evaluating creditworthiness, understanding financial statements, and...

  • Credit Manager

    3 days ago


    Chennai, Tamil Nadu, India Real Touch Finance Limited Full time ₹ 15,00,000 - ₹ 25,00,000 per year

    Prepare comprehensive Credit Appraisal Memorandums (CAMs) for NBFC lending, including in-depth analysis of the promoter profile, business model, market positioning, and operational strengths.Conduct detailed financial analysis of clients, including Profit & Loss statements, Balance Sheets, Cash Flow statements, and computation of key financial ratios to...

  • Credit Analyst

    4 hours ago


    Chennai, Tamil Nadu, India VGRO GLOBAL FINSERV PRIVATE LIMITED Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    Credit Proposal Processing: Evaluate and process credit proposals of corporations.Financial Document Preparation: Prepare Cash Flow statements, Cash Budgets, and CMA (Credit Monitoring Assessment), Preparation of Synopsis, Information Memorandum, TEV Study Reports, Bank Process Notes etc.Documentation: Understanding and execution of Sanction Documentation...

  • Urgent Credit Manager

    4 weeks ago


    Chennai, Tamil Nadu, India Tata Mutual Fund Full time

    Job DescriptionJob Description10341Key Objective of the Job: To underwrite and manage the portfolio in assigned branch/locationEducational Qualification: Post Graduate/ Graduate in any disciplineMajor Deliverables:1. Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval...

  • Head of Credit

    3 weeks ago


    Chennai, Tamil Nadu, India Bradford Consultants LLP Full time

    We are hiring for a Functional Head Credit role for one of our client company.Location- Delhi/ MumbaiQualification - CA or MBA Finance from reputed B-SchoolFunctional Skills:18-20 years with relevant industry exposure. Strong experience of handling Credit function in Banking or NBFC is essential.Should have led the function for a minimum of 2 yearsIn-Depth...

  • Chief Manager

    2 days ago


    Chennai, Tamil Nadu, India TVS Credit Services Ltd Full time US$ 90,000 - US$ 1,20,000 per year

    Job Purpose:This role is responsible to lead the development and oversight of credit policies for the Consumer Durable Loans portfolio. The ideal candidate will have a strong understanding of consumer lending risk, product-specific dynamics, and customer behavior in the consumer finance space, particularly within banks or NBFCs.Key Responsibilities:Develop...