Credit & Risk Analyst (Corporate / Enterprise Portfolio)

Role Overview We are looking for a Credit & Risk Analyst with proven experience in managing credit exposure for large corporate/enterprise clients. This role focuses on evaluating creditworthiness, monitoring portfolio risk, and driving data-backed credit decisions that balance risk mitigation with business growth. Note: This role is strictly aligned to corporate/B2B credit risk. Candidates with experience limited to personal loans, mortgage lending, or small business financing will not be considered. Shift 5:00 PM 2:00 AM (night shift) Key Responsibilities Evaluate customer creditworthiness through detailed analysis of financial statements, credit data, payment behavior, and market insights Define and manage credit limits, payment terms, and risk exposure in line with company policies Conduct periodic credit reviews and proactively adjust risk strategies Approve or decline credit applications within defined authority levels Monitor and manage credit and operational risk across enterprise accounts Develop and implement risk mitigation frameworks and control strategies Maintain standardized risk-rating models for consistent credit assessment Track macroeconomic trends, industry developments, and client-specific risk factors Review aging reports and drive actions to ensure healthy cash flow and collections Partner with Sales, Business Development, and Finance teams to resolve delinquencies and disputes Recommend actions for high-risk accounts (e.g., credit holds, revised terms, escalations) Required Skills & Competencies Strong analytical and problem-solving capabilities Sound judgment and decision-making under uncertainty High attention to detail and risk awareness Excellent communication skills (written & verbal) Ability to collaborate effectively with cross-functional stakeholders. Technical Skills Hands-on experience with SAP / S4 HANA Advanced proficiency in Microsoft Excel (mandatory), along with Word and PowerPoint Experience with credit risk tools and rating models is highly preferred. Qualifications & Experience Graduate (B. Com preferred); MBA is a plus 3-8 years of relevant experience in corporate/B2B credit risk within large organizations Strong expertise in financial statement analysis, credit evaluation, and risk-rating frameworks.