Sr. Executive/ Associate Manager- Accounts & Finance

Ami Polymer Pvt. Ltd.; Mumbai Suburban; On-site; INR 700,000 - 1,000,000; Full time

Job summary

Ami Polymer Pvt. Ltd. in Mumbai is seeking a detail‑driven Credit Risk Analyst to monitor exposures, review credit applications, and support risk-based decisions across the portfolio.

You will prepare MIS reports, highlight high‑risk exposures, and coordinate with internal teams and auditors to ensure compliance with export documentation and payment terms.

Strong analytical skills and a solid grounding in credit risk principles are essential to succeed in a fast-paced financial environment.

Qualifications

• Proficiency in financial modelling and analytical techniques.
• Knowledge of credit risk principles and ECL.
• Understanding of credit processes and risk reporting.
• Ability to identify inconsistencies and report to senior management.
• Strong written and verbal communication and documentation skills.
• Ability to work under pressure and meet deadlines.

Responsibilities

• Monitor credit exposures and ensure adherence to approved credit limits.
• Track portfolio performance and identify emerging risks or deteriorating accounts.
• Review credit applications for risk accuracy and policy compliance.
• Assess financial statements, creditworthiness, sales forecast etc.
• Support credit approval process with risk-based recommendations.
• Approve Customer Master data after in-depth analysis.
• Prepare and report various MIS reports.
• Prepare periodic reports on portfolio quality, limit utilization, risk indicators, delinquency trends.
• Highlight high-risk exposures, breaches and report exceptions to senior management.
• Have thorough knowledge of documentation for Proof of Export (POE) required in SEZ/DTAA/Merchandise Exports.
• Have knowledge of bank disposal instructions for export realization.
• Have knowledge of foreign payment terms.
• Work closely with internal team, Marketing team(s) and auditors.
• Support internal and external audits.

Skills

Analytical skills

Financial modelling

Credit risk knowledge

Credit processes

Report-writing

Deadline management

Job description

Job Description

1) Credit Risk Monitoring & Control

• Monitor credit exposures and ensure adherence to approved credit limits
• Track portfolio performance and identify emerging risks or deteriorating accounts

2) Credit Review & Analysis

• Review credit applications for risk accuracy and policy compliance
• Assess financial statements, creditworthiness, sales forecast etc.
• Support credit approval process with risk-based recommendations
• Approve Customer Master data after in-depth analysis

3) Reporting & Documentation

• Prepare and report various MIS reports
• Prepare periodic reports on portfolio quality, limit utilization, risk indicators, delinquency trends
• Highlight high-risk exposures, breaches and report exceptions to senior management
• Have thorough knowledge of documentation for Proof of Export ("POE") required in SEZ/DTAA/Merchandise Exports
• Have knowledge of bank disposal instructions for export realization
• Have knowledge of foreign payment terms

4) Coordination & Stakeholder Engagement

• Work closely with internal team, Marketing team(s) and auditors
• Support internal and external audits

Key Skills & Competencies

• Strong analytical and financial modelling skills
• Knowledge of credit risk principles, Expected Credit Loss
• Understanding of credit processes
• Strong ability to detect inconsistencies and report to Senior
• Good communication, reporting, and documentation skills
• Ability to work under pressure and manage tight deadlines