City: Mohali

State: Punjab (IN-PB)

Country: India (IN)

Requisition Number: 45373

Role Purpose Statement The overall responsibility of this role is to manage the annual review of counterparties accurately and in a timely manner, assigning accurate credit limits considering potential exposure of Business partners for existing business partners as well as new counterparties. Detailed annual review includes the evaluation of financial statements, checking customer's payment history and payment terms allowed, mark to market limits, PFE calculations, and securing the open credit with insurance. Preparation of the scorecard is also an important activity applicable for the limits above the threshold of >500K USD.

Approvals are to be obtained for higher grades/credit limits as per Bunge Global Credit Policy. It's a critical role as activities and deliverables of this role directly impact Bunge's business with its business partners across the globe.

Main Accountabilities

1. Perform annual review of existing counterparties and assign the credit limits ensuring accuracy and timeliness.
2. Validate and approve the Credit review process steps performed by BOT for further updates in SAP and SharePoint tracker.
3. Support centralized risk team with other tasks like industry updates in Delta, validating the insurance, and others.
4. Bulk review - exemption from detailed annual review based on payment history.
5. Intuitive grading in case of insufficient financial information.
6. Credit history and compliance checks.
7. Create risk reports using Tableau desktop version.
8. Coach trainees and newcomers on the company and help team members to work in a collaborative manner to achieve the desired objectives.
9. Build good relationships with the teams/departments involved.

Additional Responsibilities

1. Resolve all queries within defined timelines and ensure zero defects for the entire team.
2. Identify process improvement ideas and handle exceptions by performing root cause analysis.
3. KPI tracking, monitoring, and accuracy enhancement.
4.



Provide the required audit support and maintain the documentation required.
5. Deployment of automation opportunities.

Knowledge and SkillsBehavior

- Improve Bunge's outcomes by making data-driven decisions, keeping the customer at the forefront of all they do, and proactively gaining insight into the global strategy.
- Collaborate, effectively communicate with others and take initiative to continually develop themselves.
- Pursue opportunities to solve problems and take action while maintaining the ability to manage work, even in times of challenge or change.

Technical

- Knowledge in finance/Credit risk/trading concepts (e.g., assigning of credit limit, evaluating business financials to assess creditworthiness of the partners, payment history, preparing credit scorecards, etc.).
- Experience in accounting and finance, credit risk, coordination with stakeholders, and follow-through to eventual issue resolution and documentation.
- Excellent communications and presentation skills.
- The successful applicant will be detail-oriented, results-driven, and a tenacious team player. He/she will have demonstrated an ability to lead the discussion on reconciliation and analysis with key stakeholders (e.g., commercial organization, finance partner team, and market risk teams).
- Ability to provide a high-quality level of customer service to internal & external stakeholders.
- Ability to work independently, efficiently, and deliver high-quality output under time pressure.
- Independent and meticulous with figures.
- Strong written & oral communication skills in English.
- Strong problem-solving & organizational skills.
- Experience in managing people and processes through a sustained period of change.




- Excellent computer skills and competency in Microsoft Office (Word, PowerPoint, Excel, Outlook).

Education & Experience

- University degree (Graduation, MBA, CMA or CA)
- 5-7 years of working experience in finance/accounting/risk, credit function, preferably in the Agri and food industry.

Distinct Advantage

- Experience working in a similar Shared Services Centre setup.
- Experience in processing high volumes of transactions.
- Experience in SAP.
- Strong customer service, communication skills/soft skills.
- Working exposure in the commodity industry.

At Bunge (NYSE: BG), our purpose is to connect farmers to consumers to deliver essential food, feed, and fuel to the world. As a premier agribusiness solutions provider, our team of ~34,000 dedicated employees partner with farmers across the globe to move agricultural commodities from where they're grown to where they're needed-in faster, smarter, and more efficient ways.

We are a world leader in grain origination, storage, distribution, oilseed processing, and refining, offering a broad portfolio of plant-based oils, fats, and proteins. We work alongside our customers at both ends of the value chain to deliver quality products and develop tailored, innovative solutions that address evolving consumer needs. With 200 years of experience and presence in over 50 countries, we are committed to strengthening global food security, advancing sustainability, and helping communities prosper where we operate.

Bunge has its registered office in Geneva, Switzerland, and its corporate headquarters in St. Louis, Missouri. Learn more at Bunge.com.

Every day our people exemplify these values, which represent Bunge at its core:

- We Are One Team - Collaborative, Respectful, Inclusive
- We Lead The Way - Agile, Empowered, Creative
- We Do What's Right - Safety, Sustainability, With Integrity

If this sounds like you, join us! We value and invest in people who believe in our purpose and are excited to live it every day - people who are #ProudtoBeBunge

Locations: PB, IN, 160059

📌 Team Lead - Credit Risk (India)
🏢 Bunge
📍 India