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Senior Credit Risk Analyst

Senior Credit Risk Analyst

  • Location India - Pune
  • Travel required Negligible travel should be expected with this role
  • Job category Finance Group
  • Relocation available This role is eligible for relocation within country
  • Job type Professionals
  • Job code RQ093980
  • Experience level Intermediate
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Job summary

Entity:

Finance


Job Family Group:

Finance Group


Job Description:

We are a global energy business involved in every aspect of the energy system. We are working towards delivering light, heat, and mobility to millions of people every day. We are one of the very few companies equipped to tackle some of the big, sophisticated challenges that matter for the future. We have a real contribution to make to the world's ambition of a low-carbon future. Join us and be part of what we can accomplish together. You can participate in our new ambition to become a net zero company by 2050 or sooner and help the world get to net zero.

Would you like to discover how our diverse, hardworking people are owning the way in making energy cleaner and better – and how you can play your part in our outstanding team?

Join our Finance Team and advance your career.

Responsible for delivering the credit risk strategy through portfolio and relationship management, using sound technical capabilities to analyse counterparties, assign credit ratings, support critical credit risk activities, and keep abreast of external developments to ensure standard methodology processes.

Key Results / Accountabilities -

Implement day to day customer credit related operational tasks to ensure delivery meets partner and customer expectations and is consistent with set process performance indicators, applicable service level agreements, customer functions core values and policies established within the bp Group.

  • Provide senior leadership recommendations on key and strategic accounts, risk assessments on new applications and scheduled reviews through the analysis of financial information and related credit agency supplied information, e.g., Cash flow statements, profit & loss balance sheet

  • Be the SPA for the business credit risk performance and input to strategic direction.

  • Provide a key critical issue and consultation point on all Level 1, 2 & 3 applications and credit decisions across the local and regional credit team.

  • Meet externally with key customers and senior business leaders where further information is required to be acquired to assess their financial position

  • Play a key role in critical issues of legal recoveries and key management reporting information

  • Lead contract transition and management of the continuous improvement process for a revised Dealer security position

  • Advance issues of non-compliance to the relevant DOA holder

  • Evaluate business from a Return on Risk perspective in addition to a credit lens on key decisions and customer concerns from the Level 1, 2 and 3 reviews as required.

  • Compliance with Group Credit Standard and Policies.

  • Maintain customer files

  • In conjunction with a regional Credit team, recommend and facilitate appropriate payment plans for customers, including monitoring & reporting on progress

Education and Experience-

  • Bachelor’s Degree or equivalent experience, Exposure in service industry including BPO, Good understanding of the ITES industry

  • 10+ yrs exp in credit & related risk management domain catering frontline customer service business

  • With 3-5 years exp in a business analyst / Digital Lean roles, Ops excellence area, Managing continuous improvement projects

  • Understanding of finance and commercials

  • Knowledge of legal entities and corporate structures (companies, partnerships, trusts, etc).

  • Knowledge of contract law, privacy act and relevant credit legislations.

  • Experience in using SAP, GenPlus, Salesforce, MS Office

  • E2E understanding of the process lifecycle in the Shared Services space

Leadership & EQ Capability:

  • A strong awareness and understanding of Lean and six sigma concepts

  • Proven capability of driving process assessments and discoveries

  • Awareness and demonstration of Situational Leadership principles and practices

  • Thought leadership, Performance management

  • Promoter of Diversity, Equality and Inclusion

  • Experience of GBS/ shared service/BPO type organization.  Knowledge of BP policies and procedures. Experience of organisation change management. Experience of working in a matrixed organisation


Travel Requirement

Negligible travel should be expected with this role


Relocation Assistance:

This role is eligible for relocation within country


Remote Type:

This position is a hybrid of office/remote working


Skills:

Accounting for financial instruments, Accounting for financial instruments, Accounting policy, Agility core practices, Agility tools, Analytical Thinking, Analytics, Business process control, Business process improvement, Commercial Acumen, Commercial assurance for external reporting, Communication, Creativity and Innovation, Credit Management, Curiosity, Customer centric thinking, Data Analysis, Data visualization and interpretation, Decision Making, Digital Automation, Digital fluency, Financial Reporting, Influencing, Internal control and compliance, Long Term Planning {+ 4 more}


Legal Disclaimer:

We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, sex, gender, gender expression, sexual orientation, age, marital status, socioeconomic status, neurodiversity/neurocognitive functioning, veteran status or disability status. Individuals with an accessibility need may request an adjustment/accommodation related to bp’s recruiting process (e.g., accessing the job application, completing required assessments, participating in telephone screenings or interviews, etc.). If you would like to request an adjustment/accommodation related to the recruitment process, please contact us.

If you are selected for a position and depending upon your role, your employment may be contingent upon adherence to local policy. This may include pre-placement drug screening, medical review of physical fitness for the role, and background checks.

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