APAC FS Credit Risk Manager

CNH

Gurugram District

On-site

INR 350,000 - 600,000

Full time

3 days ago

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Benefits offered by this job

Flexible work arrangements

Tuition reimbursement

Parental leave

Adoption assistance

Fertility & Family building support

Employee Assistance Programs

Volunteer time off

Job summary

CNH Industrial is seeking a senior risk leader to manage the financial services risk portfolio across the AANZ region, including Australia, India, and China. You will build and monitor models, scorecards, and AI/ML driven decision tools, while driving strategic risk governance and analytics.

Strong collaboration with regional managers is essential. The role requires 7+ years in credit risk and a postgraduate quantitative degree, with expertise in Azure Databricks, SAS, and Python.

Qualifications

7+ years of experience in credit risk management, portfolio analytics, and predictive modeling.
Postgraduate degree in quantitative field with strong data science focus.
Proven ability to develop and monitor risk models and scorecards.

Responsibilities

Perform portfolio risk analysis; maintain key risk metrics (credit quality, delinquencies, losses, reserves).
Lead loss forecasting, reserve analyses, CECL/US GAAP support; assist budgeting and forecasting.
Develop, validate, and monitor risk models and decision tools across underwriting and collections.
Support digital transformation with automation and AI‑driven credit processes.
Deliver data‑driven insights to inform strategic initiatives and risk mitigation.

Skills

Communication

Stakeholder management

Presentation skills

Influence decisions

Python

SAS

Azure Databricks

Cloud analytics

Education

Postgraduate degree in quantitative discipline (Data Science, Analytics, Statistics, Mathematics, Economics, Finance, Engineering, CS)

Tools

Azure Databricks

SAS

Python

Job description

About Us

Innovation. Sustainability. Productivity. This is how we are Breaking New Ground in our mission to sustainably advance the noble work of farmers and builders everywhere. With a growing global population and increased demands on resources, our products are instrumental to feeding and sheltering the world.

About Us

From developing products that run on alternative power to productivity‑enhancing precision tech, we are delivering solutions that benefit people – and they are possible thanks to people like you. If the opportunity to build your skills as part of a collaborative, global team excites you, you’re in the right place.

Grow a Career. Build a Future!

Be part of this company at the forefront of agriculture and construction, that passionately innovates to drive customer efficiency and success. And we know innovation can’t happen without collaboration. So, everything we do at CNH Industrial is about reaching new heights as one team, always delivering for the good of our customers.

Job Purpose

Lead the risk management function for financial services in the AANZ region. The portfolio approximates $2 billion covering retail (including portfolios with partners), wholesale, and trade finance. The position provides specific risk support across all major markets (including Australia, India, and China) and business segments. The position will report to the Global Risk team and work closely with the regional credit, commercial lending and finance teams as well as the respective Country Managers in assessing, monitoring and managing risk. The position is additionally responsible for managing and supporting resources with modelling and analytics capability. 109420

Key Responsibilities

Perform portfolio risk analysis and maintain key risk metrics covering credit quality, delinquencies, losses, reserves, and cost of risk.
Manage loss forecasting, reserve analyses, and CECL/US GAAP support, including budgeting and forecasting activities.
Conduct country, regional, and macroeconomic risk assessments to identify emerging risks and opportunities.
Develop, implement, and monitor credit risk scorecards (origination, behavioral, collections) and automated decision strategies using advanced analytics and AI/ML techniques.
Lead the development, validation, and performance monitoring of risk models and decision tools across underwriting, collections, and portfolio management.
Support digital transformation initiatives through automation, AI‑driven solutions, and enhancements to credit processes and systems.
Deliver data‑driven insights and ad hoc analyses to support strategic business initiatives and risk mitigation efforts.
Benchmark risk performance, policies, and practices against industry peers and market standards.
Develop and maintain risk policies, governance frameworks, controls, and best practices across regions.
Support new business initiatives, growth strategies, and product development through risk assessment and analytics.
Promote knowledge sharing and consistency of risk methodologies across global teams.

Experience Required

7+ years of experience in credit risk management, portfolio analytics, and predictive modeling.

Preferred

Experience in capital goods, equipment finance, or captive finance industry, with an understanding of dealer networks, distribution channels, and end‑customer financing dynamics.
Knowledge of agricultural and construction equipment markets.
Excellent communication, stakeholder management, and presentation skills.
Demonstrated ability to influence decision‑making and drive alignment across a global, matrixed organization.

Preferred Qualifications

Postgraduate degree in quantitative discipline such as Data Science, Analytics, Statistics, Mathematics, Economics, Finance, Engineering, or Computer Science.
Strong expertise in Azure Databricks, SAS, Python, and cloud‑based analytics platforms.
Proven track record of developing, implementing, and monitoring predictive models, scorecards, AI/ML solutions, and data‑driven decision frameworks.
Ability to translate complex analytical findings into actionable business insights and strategic recommendations.

What We Offer

We offer dynamic career opportunities across an international landscape. As an equal opportunity employer, we are committed to delivering value for all our employees and fostering a culture of respect.

Benefits

At CNH, we understand that the best solutions come from the diverse experiences and skills of our people. Here, you will be empowered to grow your career, to follow your passion, and help build a better future. To support our employees, we offer regional comprehensive benefits, including: