Credit Risk & Growth Specialist

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

Job summary

Shell Philippines is seeking a Credit Specialist to balance business growth with prudent risk management. You will evaluate customer creditworthiness, manage credit exposure, and support informed decisions for the Lubricants portfolio while collaborating with Sales and other teams.

The role emphasizes data-driven insights, analytical rigor, and effective stakeholder management to drive sustainable growth and risk mitigation across the organization.

Qualifications

• Bachelor’s degree in accounting, Finance, Business, or a related field.
• At least 3 years of experience in credit risk assessment, financial analysis, or a related finance function.
• 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

Credit risk assessment

Financial analysis

Stakeholder management

Analytical thinking

Data-driven insights

Education

Bachelor’s degree in accounting, Finance, Business, or a related field

Tools

AI-enabled solutions

Job description

Shell Philippines is seeking a Credit Specialist to balance business growth with prudent risk management. You will evaluate customer creditworthiness, manage credit exposure, and support informed decisions for the Lubricants portfolio while collaborating with Sales and other teams.

The role emphasizes data-driven insights, analytical rigor, and effective stakeholder management to drive sustainable growth and risk mitigation across the organization.