City : Mohali State : Punjab (IN-PB) Country : India (IN) Requisition Number: 45373

Role Purpose Statement

The overall responsibility of this role is to manage annual review of counterparties the accurately and in timely manner , assigning of 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 finnacial statements, checking customer's payment history and payments terms allowed, mark to market limits, PFE calculations and securing the open credit with Insurance. Preparation of scorecard is also an important activity applicable for the limits above the thershold >500K USD. Approvals to be obtained for higher grades/credit limits as per Bunge Global Credit Policy. It's a critical role as activities and dliverables of theis role directly impacts the Bunge's business with it's business partner's across the globe.

Main Accountabilities

Perform annual review of existing counterparties and assigning the credit limits ensuring accuracy and timelines
Validate and approve the Credit review process steps performed by BOT for further updates in SAP and Share point tracker
Support centralized risk team with other tasks like industry updates in Delta, validating the Insurance and others
Bulk review - exemption from detailed annual review basis payment history
Intuitive Grading in case of insufficient Financial information
Credit history and compliance checks
Create risk reports using Tableau desktop version
Coaching trainees and newcomers on company and helping team members to work in a collaborative manner to achieve the desired objectives
Build good relationships with the teams/departments involved

Additional Responsibilities: -

Resolve all queries within defined timelines and ensure zero defects for the entire team
Identify process improvement ideas and handle exceptions by performing root cause analysis
KPI tracking ,monitoring and accuracy enhancement
Provide the required audit support and maintain the documentation required
Deployment of automation opportunities

Skills

Knowledge and Skills

Behavior

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 credit worthiness 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 a detailed-oriented, results-driven, 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 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 communications 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 Agri and food industry

Distinct Advantage

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

Team Lead - Credit Risk