Credit Risk Analyst: Growth & Risk Partner

Shell; Philippines; On-site; PHP 600,000 - 900,000; Full time

Job summary

Shell Philippines is seeking a Credit Specialist to balance growth with prudent risk management in the Lubricants portfolio. You will evaluate credit risk, manage exposures, and support informed business decisions within Shell's credit policies.

You will partner with Sales and other teams to mitigate risk, review credit limits, and ensure timely account reviews for business continuity. This is a fixed-term role suited to an early careers professional seeking growth in finance.

Qualifications

• Bachelor’s degree in accounting, finance, or a related field.
• At least 3 years of experience in credit risk assessment or financial analysis.
• Experience analyzing financial statements and evaluating customer creditworthiness.
• Background in banking, financial services, or credit risk management is an advantage.

Responsibilities

• Assess the creditworthiness of new and existing customers by conducting commercial and financial analysis and determine appropriate credit risk ratings and credit limits.
• Partner with customers and internal stakeholders to identify and implement risk mitigation strategies, including negotiating and managing credit security arrangements where required.
• Monitor and review customer credit exposures, performing regular reassessments based on established timelines and changing business conditions.
• Support business continuity by proactively managing account reviews, resolving blocked sales orders, and addressing exposures that exceed approved credit limits.
• Exercise credit approval authority within designated limits, including reviewing and releasing blocked orders when appropriate.
• Provide insights and recommendations that help the business make balanced decisions between commercial opportunities and credit risk exposure.

Skills

Financial analysis

Credit risk

Stakeholder management

Data interpretation

Education

Bachelor’s degree in accounting Finance Business

Job description

Shell Philippines is seeking a Credit Specialist to balance growth with prudent risk management in the Lubricants portfolio. You will evaluate credit risk, manage exposures, and support informed business decisions within Shell's credit policies.

You will partner with Sales and other teams to mitigate risk, review credit limits, and ensure timely account reviews for business continuity. This is a fixed-term role suited to an early careers professional seeking growth in finance.