Role & responsibilities

Credit Risk Assessment

- Analyze credit risk information received from external Credit Risk Agencies and translate external risk ratings/scoring into internal credit risk classifications.
- Conduct credit risk assessments for new and existing customers in accordance with company credit policies and procedures.
- Perform manual credit risk assessments when external ratings or credit scores are unavailable.
- Gather, review, and analyze internal and external financial and business information to determine appropriate customer risk categories.
- Assign and maintain customer risk classifications within SAP Risk Management (SAP RM).
- Maintain customer credit profiles in SAP FSCM / S/4HANA Credit Management, including risk class, credit rule and other credit-relevant parameters within the analysts authorized scope.
- Monitor external agency alerts, payment behavior and material adverse events, and trigger ad hoc reassessment when a customers risk profile changes.
- Support bankruptcy handling by updating credit-relevant indicators and limits and coordinating required follow-up with Collections and other affected teams.

Risk Analysis and Credit Scoring

- Evaluate customers using internal indicators such as:

- Payment behavior

- Financial performance

- Business experience

- Guarantees and securities

- Historical customer relationships
- Review and validate information entered into Credit Score Cards.
- Ensure the completeness, accuracy, and consistency of assessment data prior to risk categorization.
- Determine appropriate credit risk categories based on scorecard outcomes and analytical findings.
- Perform periodic portfolio reassessments for existing customers and validate that system outcomes are consistent with available external information, payment behavior and Local Credit Policy requirements.
- Identify data-quality issues affecting risk classification or credit-limit calculation and coordinate corrective action with Master Data, technical support or other process owners.

Credit Limit Management

- Calculate credit limits for recent and existing customers using predefined business formulas incorporating:

- Risk class

- Revenue levels

- Payment terms

- Other approved credit parameters
- Perform manual credit limit calculations for ad hoc assessments where automated calculations are not applicable.
- Manage seasonal credit limit updates through approved system jobs and predefined business parameters.




- Review calculated limits and provide recommendations for approval.
- Validate the output of automated credit-limit and seasonality jobs, investigate exceptions and confirm that approved changes have been correctly reflected in the system.
- Support portfolio-based and mass-review activities, while ensuring that permanent changes remain aligned with Global Design, SHARP-X / DBB principles and the applicable Local Credit Policy

Credit Assessment Review and Validation

- Review manual credit limit requests and risk assessment requests for completeness and accuracy.
- Validate supporting documentation and ensure all mandatory requirements are met before processing.
- Coordinate with requestors to obtain missing information or clarification when necessary.
- Analyze internal customer data and payment history to support credit decisions.

Credit Approval Support

- Monitor automated credit limit approval processes within predefined approval thresholds.
- Ensure approved limits are accurately reflected within customer master data.
- Support exception handling and manual review processes for requests outside established approval thresholds.
- Monitor workflow ageing and service-level performance, follow up on pending approvals and document reasons for delayed or exceptional cases.
- Support the preparation of evidence for key Credit Risk controls, including completeness, approval and system-implementation checks.

Stakeholder Coordination

- Collaborate with Sales, Finance, Customer Service, and Business Operations teams during the credit assessment process.
- Serve as a key point of contact for credit-related inquiries and assessments.
- Provide recommendations and insights to support business decisions while maintaining an acceptable level of credit risk.
- Coordinate Bad Debt Provision inputs and clarifications with Collections, Accounting and Reporting, Finance and OpCo stakeholders.
- Translate technical or policy requirements into clear business guidance for stakeholders and support process handovers, testing and implementation activities.

Compliance and Governance





- Ensure adherence to company Credit Risk Policy Framework and internal control requirements.
- Maintain accurate records of credit assessments, approvals, and supporting documentation.
- Support audit activities and compliance reviews related to credit risk management processes.
- Contribute to continuous improvement initiatives within credit risk assessment and management processes.
- Participate in process testing, automation, system implementation and change initiatives, including UAT, defect follow-up and post-go-live validation.
- Maintain process documentation, operating calendars, trackers and backup arrangements to support continuity and audit readiness.

Bad Debt Provision (BDP) Support

- Support the recurring Bad Debt Provision process in line with the applicable Local Credit Policy, accounting guidance and SHARP-X / DBB design.
- Review Accounts Receivable ageing and open-item data, identify overdue, high-risk, legal, written-off, excluded and significant-customer populations, and confirm that the correct provisioning treatment is applied.
- Validate the consistency of customer Risk Class and Value Adjustment Key settings, investigate missing or incorrect values and coordinate corrections before the provision run.
- Review and validate system-generated provision proposals based on configured risk classes, ageing buckets and local parameters, and document relevant exceptions or adjustments.
- Prepare or support manual calculations for significant customers and other cases outside the automated proposal, ensuring that assumptions and evidence are complete and auditable.
- Reconcile provision outputs to source data and, where assigned, support posting files, approvals, reversals and communication with Accounting & Reporting Managers and OpCo stakeholders.
- Maintain BDP working papers, approvals and supporting evidence in the designated repository, and support control execution, audit enquiries and process improvement activities.
- Escalate material data, configuration, posting or policy discrepancies to the supervisors and relevant technical or finance stakeholders.
- The Credit Risk Analyst prepares, validates and recommends credit-risk and BDP outputs within the assigned authority. Final approvals, control ownership and posting authority remain subject to the applicable approval matrix, role design and segregation-of-duties requirements.

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📌 Credit Risk Analyst (Hyderabad)
🏢 Careernet
📍 Hyderabad