Management Trainee-Commercial Credit Risk Analyst

Ready to shape the future of work

At Genpact, we don't just adapt to change-we drive it. AI and digital innovation are redefining industries, and we're leading the charge. Genpact's AI Gigafactory, our industry-first accelerator, is an example of how we're scaling advanced technology solutions to help global enterprises work smarter, grow faster, and transform at scale. From large-scale models to agentic AI, our breakthrough solutions tackle companies most complex challenges.

If you thrive in a fast-moving, tech-driven environment, love solving real-world problems, and want to be part of a team that's shaping the future, this is your moment.

Genpact (NYSE: G) is an advanced technology services and solutions company that delivers lasting value for leading enterprises globally. Through our deep business knowledge, operational excellence, and cutting-edge solutions - we help companies across industries get ahead and stay ahead. Powered by curiosity, courage, and innovation, our teams implement data, technology, and AI to create tomorrow, today. Get to know us at genpact.com and on LinkedIn, X, YouTube, and Facebook.

Inviting applications for the role of anManagement Trainee-Commercial Credit Risk Analyst

To determine the commercial credit worthiness of customers and prospects, to drive smart sales solutions across the business. Gather data (demographic, industry, regional, and financial). Leverage risk models to perform credit analytics to understand default risk, recommend commercial credit limits, and determine trade terms. On an ongoing basis, analyze and assess default risk across the Industrial AR portfolio while driving action to mitigate the credit risk in a collaborative manner with cross-functional teams. Present credit findings to varying levels of leadership across the business. The ultimate purpose of this role is to protect business revenue and drive healthy cash flow.

Responsibilities

• Perform timely credit risk analysis on prospects and existing commercial customers, portfolio monitoring, and management.

• Analyzing and interpreting financial statements (Balance sheet, Profit & Loss and Cash flow statements)

• Run the credit services for the businesses supporting credit reviews, customer set up & order release.

• Effectively communicate credit findings to the responsible deal team/requestor in the Industrial business and prove a plan of action to mitigate and/or limit the credit risk.

• Navigate effectively within multiple credit tools, receivable systems and internal processes to deliver accurate and timely credit risk recommendations.

• Maintain high standards of data quality within the data sets for credit risk models and external reporting.

• Facilitate problem resolution and process optimization as it relates to risk platform interfaces and data quality.

• Support seamless new client onboarding and meeting ongoing service level agreement requirements.

• Ensure execution of the Industrial Risk policy and adherence to established delegation of authorities by the businesses.

• Other tasks assigned by Manager or applicable leadership.

Minimum Qualifications

• University graduate in a related field (Economic/Accounting and Finance studies is an advantage)

• Excellent command of English

• Experience in credit risk management and analysis, setting up customers in various ERP's

• Proficient understanding of financial statements and trending financial data.

• Hands on experience in ERP's

• Industrial product and industry knowledge, commercial risk management or lending experience is a plus

• Well-rounded understanding of Excel and PowerPoint

Preferred Qualifications / Skills

• Strong interpersonal skills

• Excellent communicator and facilitator

• Strong analytical and problem-solving skills.

• Resourcefulness - ability to utilize internal/external resources and networks to identify solutions.

• Preparedness to be able to foster an environment where questions, ideas and suggestions are encouraged/valued.

• Proven track record in building trust and commitment within business & with stakeholders

• Ability to connect and engage with all levels in the business and appropriately flex communication style to suit these varying audiences.

• Ability to work well individually and part of a team to meet tight deadlines and handle multiple projects/tasks.

• Self-motivation and commitment to achieve objectives.