Credit Risk Analyst

Careernet; Hyderabad; Hybrid; INR 700,000 - 1,100,000; Full time

Job summary

Careernet in Hyderabad is seeking a Credit Risk Analyst to assess credit risk using internal indicators and external data, maintain risk profiles in SAP RM and SAP FSCM/S4HANA, and coordinate with Sales, Finance and Collections to manage risk. You will monitor alerts, support limits and perform periodic portfolio reviews.

The role requires hands-on SAP experience, attention to data quality, and collaboration across cross-functional teams in a face-to-face interview setting.

Qualifications

• Analyze credit risk information from external agencies and translate into internal classifications.
• Perform manual credit risk assessments when external data is unavailable.
• Maintain customer risk profiles in SAP RM and SAP FSCM/S/4HANA.
• Monitor alerts and adjust risk profiles in response to events.
• Coordinate with Collections, Finance and Sales to manage risk.

Responsibilities

• Evaluate customers using internal indicators such as payment behavior and financial performance.
• Validate data entered into Credit Score Cards and ensure data quality.
• Determine appropriate risk categories based on scorecards and analysis.
• Support credit limit management and periodic portfolio reassessments.
• Prepare evidence for Credit Risk controls and audit readiness.

Skills

Credit risk analysis

SAP RM

S/4HANA

Risk scoring

Stakeholder coordination

Tools

SAP RM

S/4HANA

Job description

Role & responsibilities

Credit Risk Assessment

• Analyze credit risk information received from external Credit Risk Agencies and translate external risk ratings/scoring into internal credit risk classifications.
• Conduct credit risk assessments for new and existing customers in accordance with company credit policies and procedures.
• Perform manual credit risk assessments when external ratings or credit scores are unavailable.
• Gather, review, and analyze internal and external financial and business information to determine appropriate customer risk categories.
• Assign and maintain customer risk classifications within SAP Risk Management (SAP RM).
• Maintain customer credit profiles in SAP FSCM / S/4HANA Credit Management, including risk class, credit rule and other credit-relevant parameters within the analysts authorized scope.
• Monitor external agency alerts, payment behavior and material adverse events, and trigger ad hoc reassessment when a customers risk profile changes.
• Support bankruptcy handling by updating credit-relevant indicators and limits and coordinating required follow-up with Collections and other affected teams.

Risk Analysis and Credit Scoring

• Evaluate customers using internal indicators such as:
  • Payment behavior
  • Financial performance
  • Business experience
  • Guarantees and securities
  • Historical customer relationships
• Review and validate information entered into Credit Score Cards.
• Ensure the completeness, accuracy, and consistency of assessment data prior to risk categorization.
• Determine appropriate credit risk categories based on scorecard outcomes and analytical findings.
• Perform periodic portfolio reassessments for existing customers and validate that system outcomes are consistent with available external information, payment behavior and Local Credit Policy requirements.
• Identify data-quality issues affecting risk classification or credit-limit calculation and coordinate corrective action with Master Data, technical support or other process owners.

Credit Limit Management

• Calculate credit limits for new and existing customers using predefined business formulas incorporating:
  • Risk class
  • Revenue levels
  • Payment terms
  • Other approved credit parameters
• Perform manual credit limit calculations for ad hoc assessments where automated calculations are not applicable.
• Manage seasonal credit limit updates through approved system jobs and predefined business parameters.
• Review calculated limits and provide recommendations for approval.
• Validate the output of automated credit-limit and seasonality jobs, investigate exceptions and confirm that approved changes have been correctly reflected in the system.
• Support portfolio-based and mass-review activities, while ensuring that permanent changes remain aligned with Global Design, SHARP-X / DBB principles and the applicable Local Credit Policy

Credit Assessment Review and Validation

• Review manual credit limit requests and risk assessment requests for completeness and accuracy.
• Validate supporting documentation and ensure all mandatory requirements are met before processing.
• Coordinate with requestors to obtain missing information or clarification when necessary.
• Analyze internal customer data and payment history to support credit decisions.

Credit Approval Support

• Monitor automated credit limit approval processes within predefined approval thresholds.
• Ensure approved limits are accurately reflected within customer master data.
• Support exception handling and manual review processes for requests outside established approval thresholds.
• Monitor workflow ageing and service-level performance, follow up on pending approvals and document reasons for delayed or exceptional cases.
• Support the preparation of evidence for key Credit Risk controls, including completeness, approval and system-implementation checks.

Stakeholder Coordination

• Collaborate with Sales, Finance, Customer Service, and Business Operations teams during the credit assessment process.
• Serve as a key point of contact for credit-related inquiries and assessments.
• Provide recommendations and insights to support business decisions while maintaining an acceptable level of credit risk.
• Coordinate Bad Debt Provision inputs and clarifications with Collections, Accounting and Reporting, Finance and OpCo stakeholders.
• Translate technical or policy requirements into clear business guidance for stakeholders and support process handovers, testing and implementation activities.

Compliance and Governance

• Ensure adherence to company Credit Risk Policy Framework and internal control requirements.
• Maintain accurate records of credit assessments, approvals, and supporting documentation.
• Support audit activities and compliance reviews related to credit risk management processes.
• Contribute to continuous improvement initiatives within credit risk assessment and management processes.
• Participate in process testing, automation, system implementation and change initiatives, including UAT, defect follow-up and post-go-live validation.
• Maintain process documentation, operating calendars, trackers and backup arrangements to support continuity and audit readiness.

Bad Debt Provision (BDP) Support

• Support the recurring Bad Debt Provision process in line with the applicable Local Credit Policy, accounting guidance and SHARP-X / DBB design.
• Review Accounts Receivable ageing and open-item data, identify overdue, high-risk, legal, written-off, excluded and significant-customer populations, and confirm that the correct provisioning treatment is applied.
• Validate the consistency of customer Risk Class and Value Adjustment Key settings, investigate missing or incorrect values and coordinate corrections before the provision run.
• Review and validate system-generated provision proposals based on configured risk classes, ageing buckets and local parameters, and document relevant exceptions or adjustments.
• Prepare or support manual calculations for significant customers and other cases outside the automated proposal, ensuring that assumptions and evidence are complete and auditable.
• Reconcile provision outputs to source data and, where assigned, support posting files, approvals, reversals and communication with Accounting & Reporting Managers and OpCo stakeholders.
• Maintain BDP working papers, approvals and supporting evidence in the designated repository, and support control execution, audit enquiries and process improvement activities.
• Escalate material data, configuration, posting or policy discrepancies to the supervisors and relevant technical or finance stakeholders.
• The Credit Risk Analyst prepares, validates and recommends credit-risk and BDP outputs within the assigned authority. Final approvals, control ownership and posting authority remain subject to the applicable approval matrix, role design and segregation-of-duties requirements.

ERP Tool - SAP is Mandatory

Interview Mode - Face to Face