Credit Assessment Lead

Chennai, Tamil Nadu
Permanent
Full-time

3 days ago

, IndiaJob Family Group: FinanceWorker Type: RegularPosting Start Date: September 1, 2025Business unit: FinanceExperience Level: Experienced ProfessionalsJob Description:Job DescriptionThis position is responsible for the credit risk analysis and management of a portfolio of accounts, working with customers and the business to optimize risk and return.
Directly manage a portfolio of complex customer credit relationships that present high risk / high value at risk and participate in the commercial deal process to optimize business returns by providing commercial insights, solutions, and advice which enable the business to optimize customer/portfolio risk vs. reward and achieve business objectives.This role will be responsible for credit management activities for an assigned customer portfolio, including risk assessments, establishing credit limits, credit line increases, analysis of overall customer and portfolio credit exposures and optimizing balance of risk vs. reward, making recommendations on credit terms and contract language, managing high risk situations / trigger events, and the negotiation and management of security necessary to support higher risk exposures.
Role will be responsible for maintaining effective working relationships with internal customers (Sales, OTC, Finance, Legal, etc.) and external 3rd party trade customers, partnering with the business to influence deal structures and provide risk-based advice on customer credit matters,
It will also be responsible for identifying and driving strategies/actions to deliver Credit and business unit goals, approving credit limits with delegated authority and securing approval for exposures exceeding individual authority, managing financial/credit risk for a customer portfolio according to the Downstream Credit Manual, and leading and/or provide support to regional/global Credit and Business initiatives.Principal AccountabilitiesAssist and support Credit Manager with the development of credit strategies for assigned business. Support and execute the developed credit strategies.Primarily responsible for partnering with and providing advice to internal commercial and finance stakeholders, as well as external counterparties where applicable.Responsible for balancing business objectives against credit risk in accordance with policy and with direction from Credit Committees.Keep abreast with external macro trends and business strategy and evaluate its implication to portfolio being managed.Drive operational excellence in the area of credit management.Key InterfacesInterfaces with the relevant classes of business within Finance and Centers of Excellence.Customer intimacy and deep business and commercial knowledge, particularly with high risk/strategic customersInteracts with E2E Risk & Operations team (CVA, Receivable Mgt, CAA), Customer Operations, all relevant teams to provide solutions for any problems arising.Requires regular communications with business GMs, VPs and FinanceDirect interaction with Senior stakeholders across all functionsRequired Skills and Experience:Minimum of 4 years of experience in a credit risk, credit structuring, or financial analysis role. Formal credit training from a bank of accredited association a plus.A Credit Risk background will be highly required for this opportunityBachelor’s in finance, Accounting or related business degree; MBA or Chartered Accountancy a plus.

Credit or Finance experience required with a strong understanding of financial statements, complex financial and risk analysis. Must be able to understand and interpret customer financial statements.

Strong commercial acumenExcellent interpersonal, communication (verbal and written), and stakeholder management skills. Must have the professional competence and confidence to work effectively with both internal and external customers.Strong influencing and negotiating skills with ability to make tough decisions and assume accountability for those decisions.Ability to work decisions / issues to a satisfactory conclusion while maintaining customer relationships.Must be positive, assertive, and self-motivated to achieve results. A strong team player and demonstrated evidence of leadership skills.Ability to analyze, interpret and visualize data to effectively convey insights and inform business decisions.Hindi Language requiredWhile a strong commercial acumen, financial analysis skills, sound risk management and decision-making skills are keys to success in this position, the successful candidate will need to be flexible and able to manage multiple priorities as well as manage the natural friction that occurs in a position charged with balancing risk and return in a large, dynamic customer portfolio.After you submit your application, you will receive an email providing a link to an online assessment that is a mandatory part of the process. The email will come from HireVue - please check your spam/junk mailbox if you do not see the email. Once completed, your application will be reviewed to determine next steps. Thank you for your interest in Shell.An Innovative place to workThere’s never been a more exciting time to work at Shell. Everyone here is helping solve one of the biggest challenges facing the world today: bringing the benefits of energy to everyone on the planet, whilst managing the risks of climate change.Our business has been built on a foundation of innovative technology and skilled employees. By providing energy to sustain people’s lives for more than a hundred years, Shell has become one of the world’s leading companies.Join us and you’ll be adding your talent and imagination to a business with the ambition to shape the future. At Shell, everyone does their part.An Inclusive place to workShell is working to become one of the most diverse, equitable, and inclusive organizations in the world. We are taking steps to create an environment where everyone – from our employees, to our customers, partners, and suppliers – feels valued, respected, and has a strong sense of belonging.To achieve this, we must ensure all people are treated fairly, irrespective of their race, color, religion, age, gender, sexual orientation, gender identity, marital status, disability, ethnic origin, nationality, or other status.To power progress together, we need to attract and develop the brightest minds and make sure every voice is heard. Here are just some of the ways we are nurturing an inclusive environment – one where you can express your ideas, extend your skills, and reach your potential.We’re closing the gender gap – whether that’s through action on equal pay or by enabling more women to reach senior roles in engineering and technology.We’re striving to be a pioneer of an inclusive and diverse workplace, promoting equality for employees regardless of sexual orientation or gender identity.We consider ourselves a flexible employer and want to support you finding the right balance. We encourage you to discuss this with us in your application.A rewarding place to workCombine our creative, collaborative environment and global operations with an impressive range of benefits and joining Shell becomes an inspired career choice.We’re huge advocates for career development. We’ll encourage you to try new roles and experience new settings. By pushing people to reach their potential, we frequently help them find skills they never knew they had, or make career moves they never thought possible-DISCLAIMER: Please note: We occasionally amend or withdraw Shell jobs and reserve the right to do so at any time, including prior to the advertised closing date. Before applying, you are advised to read our data protection policy. This policy describes the processing that may be associated with your personal data and informs you that your personal data may be transferred to Shell/Shell Group companies around the world. The Shell Group and its approved recruitment consultants will never ask you for a fee to process or consider your application for a career with Shell. Anyone who demands such a fee is not an authorised Shell representative and you are strongly advised to refuse any such demand. Shell is an Equal Opportunity Employer.

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