Job Description
APAC Wholesale Credit Analyst
Requisition ID: 5275
Job Location: Gurgaon - India
Category for Job Posting: Financial Services
Job Type for Job Posting: Full Time
Working Mode for Job Posting: Fully On-Site
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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
Financial statement analysis of customers and assess overall credit worthiness and identify underlying credit risk
Support risk management team in introduction/renewal/modification in credit models, early warning indicators, and credit system development & enhancements
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
Facilitates the development of risk mitigation strategies for the company’s critical risks and for monitoring these risks.
Administer and manage all credit risk management initiatives in the organization
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.
Experience Required
5-8 years of relevant experience in large muti-national banks and captive finance companies
Exposure to Captive finance especially in Agriculture and Construction segments would be a plus
Strong understanding of credit underwriting, risk analytics & management, financial analysis, and related processes.
Demonstrated detailed understanding of financial statements
Demonstrated risk analytics skills
Excellent communication skills and ability to clearly communicate with various stakeholders.
Demonstrated analytical and report writing skills
Demonstrated effective influencing & negotiation skills
Demonstrated effective time management & computer skills
Preferred Qualifications
Graduate / post-graduate in finance, management, accounting, or commerce
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.
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
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