Senior Analyst - Credit Management /Credit Analyst- Pune Viman Nagar - Shifts timings - 4pm -1am at WNS Global Services in Pune, MH, India

Job description

• Position Summary: Responsible for credit risk management of an assigned portfolio of customer accounts within the U.S. and Canadian markets.
• This role supports credit risk assessment, optimizing cash flow, mitigating bad debt, and providing strategic credit options to hedge risk and maximize sales growth.
• This position is vital to ensuring robust, commercially sound credit decisions that support our SNA sales teams.
• Position will operate during hours required to effectively align with US & Canadian business operations/time zones.

Responsibilities

• Portfolio Management: Directly lead a select number of accounts within the U.S. and Canada portfolio
• Financial Analysis: Analyze customer financial statements and assess the creditworthiness of corporate customers based in North America
• Due Diligence: Conduct thorough due diligence, including customer interaction, credit screening, onboarding of new customers, and continuous monitoring of existing accounts
• Credit Assessment: Assess credit limit requirements and recommend new limits or changes that align with the customer’s risk profile and comply with client's credit policy and delegation of authority
• Prepare comprehensive quarterly/annual customer-level credit reviews
• Ensure timely review and controlled release of credit-blocked orders
• Collaborate closely with AR collections team to achieve key performance indicators (KPIs) and manage direct customer collection efforts when escalation is required
• Maintain customer and credit master data within our systems (SAP preferred) and process new customer credit applications
• Manage customer sales tax exemption records and complete anti-money laundering (AML) and fraud screening procedures.

Requirements

• B.COM, MBA
• Familiarity with credit insurance and utilization of credit scorecards
• Collections escalation management experience
• Accounting Standards: Knowledge of US GAAP and IFRS standards

Skills

Required

• Credit risk management
• Financial analysis
• Due diligence
• Credit assessment
• Order management
• Collections
• System administration
• Compliance
• SAP (preferred)

Preferred

• Knowledge of US GAAP and IFRS standards