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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

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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