APAC Credit Specialist- Wholesale

• Responsible for wholesale credit underwriting for dealers, distributors, and direct customers for APAC market
• Financial statement analysis of customers and assess overall credit worthiness and identify underlying credit risk
• 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
• Administer and manage all credit risk management initiatives in the organization
• Facilitates the development of risk mitigation strategies for the company critical risks and for monitoring these risks
• 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
• Support risk management team in introduction/renewal/modification in credit models, early warning indicators, and system development & enhancements

• 5-8 years of relevant experience in large muti-national banks and captive finance companies
• Strong understanding of credit underwriting, risk management, and related processes
• Excellent communication skills and ability to clearly communicate with various stakeholders
• Exposure to Captive finance especially in Agriculture and Construction segments would be a plus
• Demonstrated analytical and report writing skills
• Demonstrated effective influencing & negotiation skills
• Demonstrated effective time management & computer skills
• Strong relationship management skills

Exposure to Captive finance especially in Agriculture and Construction segments would be a plus

• 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