Executive/ Sr. Executive- Accounts & Finance

Job Description : 

1)     Credit Risk Monitoring & Control

-        Monitor credit exposures and ensure adherence to approved credit limits

-        Track portfolio performance and identify emerging risks or deteriorating accounts

2)     Credit Review & Analysis

-        Review credit applications for risk accuracy and policy compliance

-        Assess financial statements, creditworthiness, sales forecast etc.

-        Support credit approval process with risk-based recommendations

-        Approve Customer Master data after in-depth analysis

3)     Reporting & Documentation

-        Prepare and report various MIS reports

-        Prepare periodic reports on portfolio quality, limit utilization, risk indicators, delinquency trends

-        Highlight high-risk exposures, breaches and report exceptions to senior management

-        Have thorough knowledge of documentation for Proof of Export (“POE”) required in SEZ/DTAA/Merchandise Exports

-        Have knowledge of bank disposal instructions for export realization

-        Have knowledge of foreign payment terms

4)     Coordination & Stakeholder Engagement

-        Work closely with internal team, Marketing team(s) and auditors

-        Support internal and external audits

Key Skills & Competencies

-        Strong analytical and financial modelling skills

-        Knowledge of credit risk principles, Expected Credit Loss

-        Understanding of credit processes

-        Strong ability to detect inconsistencies and report to Senior

-        Good communication, reporting, and documentation skills

-        Ability to work under pressure and manage tight deadlines