Credit Specialist

USTBC ABB Installation Products Inc.; Bengaluru; On-site; INR 700,000 - 1,200,000; Full time

Job summary

ABB India in Bengaluru seeks a Credit Analyst to manage credit operations across multiple regions, assess creditworthiness, and develop credit profiles. You will work with sales teams, monitor portfolios, and ensure policy compliance while driving process improvements with SAP4HANA.

The role requires 1–3 years in credit roles, a finance degree, strong analytical and communication skills, and fluent English. Join a global team focused on risk-aware growth and partnerships.

Qualifications

• 1-3 years of experience in credit analysis or similar roles within a global organization.
• Bachelor's or Master's degree in Finance, Banking, Accounting, Financial Audit, or related field.
• Ability to analyze P&L, Balance Sheet, Cash Flows and credit bureau reports.
• Strong analytical, communication, and interpersonal skills for presenting credit risks.
• Experience in credit risk assessment and governance to secure receivables.
• Proven ability to collaborate with cross-functional teams in a dynamic environment.
• Detail-oriented with proactive mindset and continuous improvement in credit processes.
• Fluent English required; knowledge of European languages, SAP S/4HANA, and credit risk certifications advantageous.

Responsibilities

• Manage credit operations across 70+ countries with authorization limits up to 200K USD (large), 100K USD (medium), or 50K USD (small countries).
• Assess creditworthiness and credit ratings for new customers and conduct annual/monthly reviews for existing customers.
• Analyze financial and non-financial information to develop credit profiles, make recommendations, and support partnerships.
• Monitor customer portfolios, manage credit limit exceedances, and coordinate with sales and business teams.
• Participate in Credit Circle sessions with global stakeholders including Global Credit Risk Management leadership.
• Ensure compliance with Global Credit Policy and provide feedback on risk mitigation practices.
• Support system implementation and process improvements with SAP4HANA and credit management tools.

Skills

Credit analysis

Credit control

Financial analysis

Stakeholder collaboration

Communication skills

Attention to detail

Education

Bachelor's/Master's in Finance

Tools

SAP S/4HANA

Job description

At ABB, we help industries run leaner and cleaner-and every person here makes that happen. You'll be empowered to lead, supported to grow, and proud of the impact we create together. Join us and help run what runs the world.

This Position reports to:

Accounting & Reporting Manager - Account

Roles and responsibilities:

• Manage credit operations across 70+ countries with 65,000+ customers, with authorization limits up to 200K USD (large), 100K USD (medium), or 50K USD (small countries)
• Assess creditworthiness and credit ratings for new customers and conduct annual/monthly reviews for existing customers in assigned portfolio
• Analyze financial and non-financial information to develop credit profiles, make recommendations, and support business partnerships
• Monitor customer portfolios, manage credit limit exceedances, and coordinate with sales and business teams on credit issues and escalations
• Participate in Credit Circle sessions with global stakeholders including Global Credit Risk Management leadership and process owners
• Ensure compliance with Global Credit Policy and provide feedback on risk mitigation practices across ABB
• Support system implementation and process improvements in collaboration with SAP4HANA specialists and credit management tools

Qualification for the role:

• 1-3 years of experience in credit analysis, credit control, or similar Credit Specialist roles within a global organization.
• Bachelor's or Master's degree in Finance, Banking, Accounting, Financial Audit, or a related field.
• Strong ability to analyze financial statements, including P&L, Balance Sheet, Cash Flow Statements, and credit bureau reports.
• Excellent analytical, communication, and interpersonal skills with the ability to present and explain credit risks effectively.
• Experience in credit risk assessment and governance, ensuring receivables are secured and risks are appropriately managed.
• Proven capability to collaborate with business stakeholders and cross-functional teams in a dynamic, fast-paced environment.
• Demonstrates high accuracy, attention to detail, proactive mindset, and continuous improvement focus, including credit process enhancement.
• Fluent English communication skills are required; knowledge of European languages, SAP S/4HANA, and professional credit risk certifications are advantageous

More about us

ABB Finance is a trusted partner to the business and a world-class team who delivers forward-looking insights that drive sustainable long-term results and operates with the highest standards. We value people from different backgrounds.

ABB Group | Helping industries outrun - leaner and cleaner | ABB

Global technology leader in electrification and automation. ABB helps industries run at high performance, while becoming more efficient, productive and sustainable.

Building a cleaner, smarter future takes all kinds of minds: the curious, the courageous, and the creative. We welcome people from all backgrounds and experiences.