Role & responsibilities

- Execute credit assessments, limit reviews, and risk classifications for medium and high complexity customers using internal scoring models and external credit reports (D&B;, Coface, Atradius, Credit reform).
- Understand the end-to-end Order-to-Cash (O2C) process and the impact of credit decisions on sales, collections, dispute management, and bad-debt provisioning.
- Manage blocked-order release workflows, credit-hold escalations, and exception approvals within delegation of authority, balancing risk appetite with commercial enablement.
- Monitor credit insurance coverage, letters of credit, bank guarantees, and parent-company guarantee; ensure timely renewal, utilization tracking, and claims handling.
- Effectively promote process improvements; participate in global community initiatives and the deployment of new credit tools, risk dashboards, and policy updates.
- Ensure the correct induction of new joiners to the team, including adequate transfer of credit SOPs, scoring methodology, and system tools.
- Have an active and/or coordinating role during internal and external audits (SOX, statutory) for credit limits, provisioning, and risk classification, providing evidence and resolving audit queries.
- Drive impact within the team through specialization in credit risk, coordination of team activities, and leadership of projects affecting the credit function and wider O2C tower.

Preferred candidate profile

- Bachelors degree in commerce, Finance, Accounting,



Business Administration, or a relevant domain.
- Minimum 69 years of experience in Credit Management, Credit Risk, or O2C operations.
- Strong analytical, financial-statement-reading, and stakeholder communication skills, with the ability to influence sales and commercial teams.
- Ability to work effectively in a multicultural, fast-paced global environment
- High attention to detail and a robust commitment to data accuracy, controls, and policy compliance.
- Language skills indicate language and require level: C1 proficiency in Portuguese and C2 proficiency in English.

Preferred Qualifications

- Experience in a Global Business Services (GBS) or Shared Services Centre (SSC) environment supporting multi-country credit operations.
- Prior exposure to chemical, manufacturing, or industrial sector B2B customers with complex group structures and global exposure.
- Professional certification in Credit Management (e.g., CICM, ICM, NACM) and familiarity with process excellence methodologies (Lean, Six Sigma).

Technical Skills

- Proficiency in MS Excel (pivots, lookups, financial modelling), PowerPoint, and Word.
- Reporting & Analytics tools (e.g., Power BI, Tableau) for credit risk dashboards and exposure monitoring.
- SAP FSCM Credit Management and SAP FI/AR modules (S/4HANA preferred).
- Domain-specific tools as applicable (e.g., D&B;, Coface, Atradius, Creditreform, HighRadius, Get Paid, Serrala).

📌 Credit Management Senior Associate Specialist (Portuguese) (Hyderabad)
🏢 Basf
📍 Hyderabad