Job Purpose and Impact

Conducts credit and financial risk assessments by analyzing counterparties, assigning credit ratings, and recommending exposure limits. Partners with cross-functional teams to support due diligence, manage credit exposures, collections, and risk mitigation activities, while monitoring portfolio performance and market developments. Provides actionable insights, ensures compliance with internal controls, and contributes to informed business decisions, loss prevention, and sustainable growth.

Key Accountabilities
- Conduct comprehensive financial statement analysis of counterparties, including cash flow forecasting, to deliver high-quality and objective credit assessments, assign internal credit ratings, and provide well-supported recommendations on credit limits and risk exposure.
- Develop deep industry and market knowledge to effectively evaluate counterparties across multiple sectors and geographic regions.
- Monitor counterparties and assess the potential impact of market, economic,



and industry developments on individual exposures and portfolio performance.
- Partner with Origination teams to support robust due diligence processes, evaluate business opportunities, and respond to credit-related inquiries from internal stakeholders.
- Collaborate with Structuring teams to gain a robust understanding of trade finance and capital market products, provide independent risk assessments, and recommend effective risk mitigation strategies.
- Maintain close coordination with Transaction Management teams to ensure the accurate implementation of approved risk mitigants and timely reporting of exposures within authorized limits.
- Contribute to ad hoc projects and actively identify opportunities to enhance existing credit processes, methodologies, and operational efficiencies.
- Independently manage complex credit and accounts receivable matters with minimal supervision, escalating only highly complex or sensitive issues when appropriate.
- Oversee an

📌 Analyst, Credit (Bengaluru)
🏢 Cargill
📍 Bengaluru