APAC Credit Specialist- Wholesale

Job ID: 3117

Location:

Gurgaon, IN

Job Family: Credit

Job Type: Full Time

Working Mode: Fully On-Site

About Us
Innovation. Sustainability. Productivity. This is how we are Breaking New Ground in our mission to sustainably advance the noble work of farmers and builders everywhere. With a growing global population and increased demands on resources, our products are instrumental to feeding and sheltering the world.

From developing products that run on alternative power to productivity-enhancing precision tech, we are delivering solutions that benefit people – and they are possible thanks to people like you. If the opportunity to build your skills as part of a collaborative, global team excites you, you're in the right place.

Grow a Career. Build a Future
Be part of this company at the forefront of agriculture and construction, that passionately innovates to drive customer efficiency and success. And we know innovation can't happen without collaboration. So, everything we do at CNH Industrial is about reaching new heights as one team, always delivering for the good of our customers.

Job Purpose
This role is embedded within a multi-disciplinary team providing a coordinated approach to credit analysis, reporting & credit application decisioning for the APAC financial services. This role will assess the wholesale and off-book risk and credit exposure of FS managed portfolio for many markets of APAC. The person in the role will work closely with senior management teams across Capital and Brand. Also, responsible for handling projects and issues related to wholesale credit systems for entire APAC region. This role will ensure credit quality and integrity is maintained across all credit submissions in line with all wholesale credit underwriting principles, policies & compliance procedures.

Key Responsibilities

• Responsible for wholesale credit underwriting for dealers, distributors, and direct customers for APAC market
• Financial statement analysis of customers and assess overall credit worthiness and identify underlying credit risk
• Formulate, implement and update credit risk policies & guideline in line ensuring the same is aligned to industry standards and regulatory requirements
• Understand country specific policies, procedures, regulations, and compliances
• Communicate policy changes to the relevant stake holders and provide training as needed
• Monitor and analyze portfolio performance, identifying stress segments and early warning signals
• Administer and manage all credit risk management initiatives in the organization
• Facilitates the development of risk mitigation strategies for the company critical risks and for monitoring these risks.
• Stakeholder management – coordinate with Capital and brand teams to ensure the effective credit risk management.
• Conduct client/dealer visits and monitor the financial status and credibility of strategic clients/dealers.
• Liaison with business team on introduction of new financing products in line with market/competition practices.
• Support risk management team in introduction/renewal/modification in credit models, early warning indicators, and system development & enhancements.

Experience Required

• 5-8 years of relevant experience in large muti-national banks and captive finance companies
• Strong understanding of credit underwriting, risk management, and related processes.
• Excellent communication skills and ability to clearly communicate with various stakeholders.
• Exposure to Captive finance especially in Agriculture and Construction segments would be a plus.
• Demonstrated analytical and report writing skills
• Demonstrated effective influencing & negotiation skills
• Demonstrated effective time management & computer skills
• Strong relationship management skills

Preferred Qualifications
Graduate/Post-Graduate

What We Offer
We offer dynamic career opportunities across an international landscape. As an equal opportunity employer, we are committed to delivering value for all our employees and fostering a culture of respect.

Benefits
At CNH, we understand that the best solutions come from the diverse experiences and skills of our people. Here, you will be empowered to grow your career, to follow your passion, and help build a better future. To support our employees, we offer regional comprehensive benefits, including:

• Flexible work arrangements
• Savings & Retirement benefits
• Tuition reimbursement
• Parental leave
• Adoption assistance
• Fertility & Family building support
• Employee Assistance Programs
• Charitable contribution matching and Volunteer Time Off