Team Lead - Credit Risk

Bunge Iberica SA; Sahibzada Ajit Singh Nagar; On-site; INR 1,000,000 - 1,500,000; Full time

Job summary

Bunge Iberica SA is seeking a Team Lead - Credit Risk in Sahibzada Ajit Singh Nagar, Punjab. This role involves managing the annual reviews of counterparties, assigning accurate credit limits, and engaging with stakeholders to ensure compliance with Bunge's policies. Applicants should possess a university degree and have 5-7 years of experience in finance or risk management within the agri-food sector, as well as proficiency in SAP and Microsoft Office. The experienced candidate will improve Bunge’s outcomes and support the centralized risk team.

Qualifications

• 5-7 years of working experience in finance/accounting/risk, credit function, preferably in Agri and food industry.
• Experience in managing people and processes through a sustained period of change.
• Ability to work independently and deliver high quality output under time pressure.

Responsibilities

• Manage the annual review of counterparties accurately and in a timely manner.
• Validate and approve the Credit review process steps performed by BOT.
• Build good relationships with the teams/departments involved.

Skills

Credit risk assessment

Data-driven decision making

Excellent communication skills

Problem solving

Organizational skills

Education

University degree (Graduation, MBA, CMA or CA)

Tools

SAP

Microsoft Office

Job description

Select how often (in days) to receive an alert:

Team Lead - Credit Risk

Date: May 6, 2026

City: Mohali State: Punjab (IN-PB) Country: India (IN) Requisition Number: 45373

Role Purpose Statement

The overall responsibility of this role is to manage annual review of counterparties accurately and in a timely manner, assigning of accurate credit limits considering potential exposure of business partners for existing business partners as well as new counterparties. Detailed annual review includes the evaluation of financial statements, checking customer payment history and payment terms allowed, mark-to-market limits, PFE calculations and securing the open credit with insurance. Preparation of scorecard is also an important activity applicable for the limits above the threshold >500K USD. Approvals to be obtained for higher grades/credit limits as per Bunge Global Credit Policy. It is a critical role as activities and deliverables of the role directly impact Bunge’s business with its business partners across the globe.

Main Accountabilities

• Perform annual review of existing counterparties and assign the credit limits ensuring accuracy and timelines
• Validate and approve the Credit review process steps performed by BOT for further updates in SAP and SharePoint tracker
• Support centralized risk team with other tasks like industry updates in Delta, validating insurance and others
• Bulk review – exemption from detailed annual review based on payment history
• Intuitive grading in case of insufficient financial information
• Credit history and compliance checks
• Coaching trainees and newcomers on company and helping team members to work in a collaborative manner to achieve desired objectives
• Build good relationships with the teams/departments involved

Additional Responsibilities

• Resolve all queries within defined timelines and ensure zero defects for the entire team
• Identify process improvement ideas and handle exceptions by performing root cause analysis
• KPI tracking, monitoring and accuracy enhancement
• Provide the required audit support and maintain the documentation required
• Deployment of automation opportunities

Knowledge and Skills

Behavior

• Improve Bunge's outcomes by making data-driven decisions, keeping the customer at the forefront of all they do, and proactively gaining insight into the global strategy.
• Collaborate, effectively communicate with others and take initiative to continually develop themselves.
• Pursue opportunities to solve problems and take action while maintaining the ability to manage work, even in times of challenge or change.

Technical

• Knowledge in finance, credit risk, trading concepts (e.g.: assigning of credit limit, evaluating business financials to assess credit worthiness of partners, payment history, preparing credit scorecards, etc.)
• Experience in accounting and finance, credit risk, coordination with stakeholders and follow-through to eventual issue resolution and documentation.
• Excellent communications and presentation skills
• The successful applicant will be a detail-oriented, results-driven, tenacious team player. He/she will have demonstrated an ability to lead the discussion on reconciliation and analysis with key stakeholders (e.g.: commercial organization, finance partner team and market risk teams).
• Ability to provide high quality level of customer service to internal & external stakeholders.
• Ability to work independently, efficiently and deliver high quality output under time pressure.
• Independent and meticulous with figures
• Strong written & oral communication skills in English.
• Strong problem solving & organizational skills.
• Experience in managing people and processes through a sustained period of change
• Excellent computer skills and competency in Microsoft Office (Word, PowerPoint, Excel, Outlook)

Education & Experience

• University degree (Graduation, MBA, CMA or CA)
• 5-7 years of working experience in finance/accounting/risk, credit function, preferably in Agri and food industry

Distinct Advantage

• Experience working in a similar Shared Services Centre setup
• Experience in processing of high volumes of transactions
• Experience in SAP
• Working exposure in commodity industry