Title:  Assistant Manager - Credit Risk

About Us

Tata International Limited is a leading trading and distribution company that has served the industry for over six decades, exemplifying its core values of Pioneering, Integrity, Excellence, Unity and Responsibility. We have our footprints in over 29 countries across the globe operating in diversified verticals from trading and distribution to manufacturing and retail, which offers our employees a dynamic environment rich in opportunities. Guided by the common threads of Tata Code of Conduct, we foster a collaborative and inclusive work environment that encourages personal and professional growth thus laying a strong foundation for creating a world-class organization where employees are respected and motivated to contribute to sustainable development.

Job Purpose

To manage the risk function for TIL across all its businesses. The role aims at enabling business growth within well-defined risk boundaries and providing real-time visibility to support agile response and risk management interventions.

Key Responsibilities

• Manage Credit Risk exposure: oAccess credit worthiness of Indian and Foreign Corporates oEvaluate new Customers with quarterly review ratings. oOnboard, Initiate approval for customer as per Credit Limits. Recommend whether to increase, adjust or close the credit lines. oDevelop and implement Credit Risk Models and Scoring Systems oPeriodically review and update the ratings of the customer oManage risk through effective risk mitigation plans. Identify and track risk inclusive of credit risk, currency risk and country risk oUnderstanding of credit reports like D&B and Credit Models
• Analysis of Working capital management, cash management & collection forecasting: oRobust debtors’ analysis at a consolidated and divisional level oCome out with structured plans to reduce debtors in discussion with corporate & business finance. oCollection forecasting basis business plans and market scenarios
• MIS & Reporting: oTimely preparation of various periodic MISs for timely decision making. oDevelop / re-design MIS depending on various needs of customers Building a risk team that is familiar with business models, deviations, flow of material & payments

Educational Qualifications

CA

Desired Profile (Experience)

0 -2 years of experience in credit risk management role

Industry Preference

Banking - managed working capital / overdraft products credit rating, Trading