Job description
Main Tasks:
Proactively manages portfolio of companies for grading and exposuresGathers appropriate level of information to assess companiesAssess companies according to defined targets (manual grading)Issue correct limit decisions to minimize claims as well as satisfy policyholder’s queriesCommunicate the reasoning of partial risk decisions to policyholdersMaintain the risk department KPIs through the year
Underwriting:
Engage in meetings, especially with clients/brokers.
Build long term and profitable customer relationship, including those in a context of restrictive decisionsSteering to ensure acceptable portfolio loss ratio and proposing actions to ensure/restore profitability of portfolioValidate terms and conditions on risk side for new products or review of existing policiesEnsure that the minimum quality standards are applied to secure customer satisfaction and a strong risk steeringOperational involvement and workflow management of casesParticipate in local and regional events involving policy holders, prospects and financial partnersActive support to commercial team colleaguesBuilding a trustful relationship with customers, brokers and any other intermediaries to improve customer porfolio profitability.
Analysis :
Carry out detailed company assessment, write large reportsRealize and maintain numerous contacts with companies and other sources:Make Phone calls and company visits to get more information for assessmentProvides minimum level of analysis without company contactPermanently monitors given portfolio of companiesTake actions based on negative market info/internal negative info from clientsTrack industry/sector information and use the information in companies’ analysis.
Qualification and Experience:Post graduate / MBA in Finance with 3-4 years’ relevant experience/Graduate with 5-8 years’ experience
Desirable: Knowledge of credit analysis and relevant processes
Market knowledge:Extensive knowledge of Indian economy, business and industry sectorsVery good knowledge of Finance and Credit Management/ underwriting Expertise and experience in corporate financial analysis and assessment.
Business expertiseStrong business assessment skillsSuperior skills in balance sheet analysis.
High level of commercial awareness and customer service
Communication :Excellent communication skills in EnglishAbility to convince.
Ability to build long term and profitable customer relationship, even in a context of restrictive decisions and deteriorated market conditionsBe a good communicator and able to convince clients and other stakeholders about risk decisions taken
Interpersonal Skills:Ability to hold client attention , including attend difficult and high profile meetings with senior people at client end.
Establish a good networkAbility to hold visits and contacts, including high difficult and high profile meetings with senior peopleCapable to work in a multicultural environment
AI-related skills/:
(Generative) Artificial Intelligence or GenAI or AIData Analysis(Microsoft) CopilotChatGPTAllianz Trade embraces innovative technologies.
We utilize Artificial Intelligence powered tools and encourage candidates with a basic understanding of commonly used platforms, as well as an awareness of best practices and the potential risks associated with AI in the workplace to apply.
Note: Having different strengths, experiences, perspectives and approaches is an integral part of Allianz‘ company culture.
One means to achieve this is a regular rotation of Allianz Executive employees across functions, Allianz entities and geographies.
Therefore, the company expects from its employees a general openness and a high motivation to regularly change positions and collect experiences across Allianz Group.