Specialist - Credit Assessment

Oman Shell; Hinoba-an; On-site; PHP 480,000 - 720,000; Part time

Job summary

Shell is seeking a Credit Specialist to balance business growth with risk management within its Lubricants portfolio in the Philippines. You will assess credit risk, analyze customer financials, and determine credit limits to enable growth while protecting value.

You’ll partner with Sales and other teams, monitor exposures, and apply Shell’s credit policies. This role emphasizes data-driven decision making, stakeholder collaboration, and continuous improvement.

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

Data-driven insights

Communication skills

Education

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

Tools

AI-enabled solutions

Digital tools

Job description

Philippines Job Family Group: Finance Worker Type: Regular (FTC) (Fixed Term) Posting Start Date: September 4, 2026 Business unit: Finance Experience Level: Early Careers

What’s the role

We are looking for a commercially minded professional who thrives on balancing business growth with smart risk management. In this role, you will partner closely with the Lubricants business to support sustainable growth, identify opportunities, and make sound credit decisions that help maximize value while managing risk effectively. As a Credit Specialist, you will manage a customer portfolio enabling business growth through informed credit decisions. While your primary focus will be the Lubricants portfolio, you will also have opportunities to support other business areas as needs evolve, providing broad exposure across the organization.

What you’ll be doing

As part of our Credit Risk Assessment Team, you will play a key role in supporting Shell's Lubricants business by evaluating customer credit risk, managing credit exposures, and enabling informed business decisions. You will help balance growth opportunities with sound risk management while ensuring compliance with Shell's credit policies.

• 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.

What you bring

We are looking for a Credit Specialist who combines strong financial and analytical expertise with excellent stakeholder management skills. In this role, you'll work closely with colleagues across different functions and cultures, helping the business make informed credit decisions while building and maintaining strong customer relationships. You'll be confident in making sound risk-based decisions, addressing complex credit challenges, and driving positive business outcomes.

Financial Analysis & Credit Risk Expertise

• 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.

Digital & Analytical Skills

Comfortable using digital tools, systems, and emerging technologies, including AI-enabled solutions, to support credit assessments and decision-making. Strong ability to analyze, interpret, and present data-driven insights that support business decisions.

Business Partnership & Stakeholder Management

Commercially minded professional who can effectively partner with Sales and other business teams on credit-related matters. Strong communication and relationship-building skills, with the ability to discuss sensitive topics such as credit risk exposure, credit limits, and customer financial performance while maintaining positive stakeholder relationships.

Continuous Improvement Mindset

Demonstrates a proactive approach to identifying process improvements and driving efficiencies. Embraces innovation and digital solutions to enhance ways of working and improve team performance.

Flexibility

Open to working in a project-based role and adapting to evolving business needs and priorities.

- DISCLAIMER: Certain positions within the organization may be subject to post-employment restrictions, including non-compete obligations. Additional details will be provided during the recruitment process where applicable.

Shell is an Equal Opportunity Employer.

AI is an integral part of today’s recruitment landscape. It can assist in refining ideas, improving clarity, and supporting interview preparation—provided your application remains authentic and reflects your true experience.

You can be a part of the future of energy. Together at Shell, we are transitioning to become a net-zero emissions business while providing the energy that people around the world need today. Working with experienced colleagues, you’ll have the opportunity to develop your skills, in an environment where we value honesty, integrity and respect for one another. At Shell, you progress as we tackle the energy challenge together.

#PowerYourProgress

Shell has a bold goal: to become one of the world’s most diverse and inclusive companies, a place where everyone – from our employees to our customers, partners and suppliers – feels valued, respected, and has a strong sense of belonging.

Shell is a global group of energy and petrochemical companies, employing 96,000 people across more than 70 countries. Whether they work on our platforms and pipelines, or in our offices and research labs, people are key to our success. They collectively determine our culture and we expect them to behave according to our values: honesty, integrity, and respect for people.

If you need any assistance or support while applying for a job, please contact us at [e-mail].