Credit Assessment Lead

Purpose of Role

The 'Credit Operations’ cover three main activities: a) Managing Credit (MC -Assessment), Debt Collection (DC), and Cash Application and Allocation (CAA).

The Credit Assessment Lead for North East Asia (NEA) Cluster is responsible for delivering effective e2e credit risk management through robust credit risk assessment aligned with business objectives.

As a senior in the credit management team, this role provides support to the Team Manager with regards to E2E credit management for the assigned country through coaching the analysts/associates, engaging with business stakeholders and overall responsible of the credit performance of the country aiming to support business growth whilst maintaining strong working capital.

This position will lead the discussion on complex customer and/or process issues and will be the first escalation point when there is a situation too challenging for Analysts, or as requested by stakeholders.

In addition, this role will also act as NEA Credit Process Lead contributing towards operational excellence as well as improvement initiatives.

Accountabilities

• Manage Credit Risk
• Responsible for the risk assessment of customers, negotiating and managing security arrangements, establishment of appropriate credit limits with necessary approval and the analysis of the overall credit exposure.
• Responsible for the re-assessment of credit-worthiness of customers based on re-evaluation triggers and timelines.
• Provide authorized approval for the release of blocked orders in respect of credit.
• Perform detailed financial analysis of customer financial statements for development of a risk profile of each customer using analytical results to establish credit limits within designated authority level and prepare analysis write-up to obtain necessary approval for decisions exceeding designated authority level.
• Ensure compliance with Global Downstream Credit policy, OCM standards & SOX controls. Meet/communicate with customer’s senior financial and business leaders to establish understanding of customer’s financial condition and business model as needed to complete credit analysis and to negotiate security when financial condition does not support credit exposure.
• Manage security arrangements to ensure timely actions taken to renew or replace expiring security instruments.
• Customer Service
• Acknowledge receipt of complaint with customer and Investigate & resolve the complaint.
• Act as the escalation point where the allocated resolution owner of a customer complaint is unable to provide a resolution.
• This role is also responsible to ensure that corrective and preventative actions resulting from complaints are of a suitably high standard and meeting the service level agreements.
• Have oversight of all business segment credit committee meetings. Be proficient in reporting routine and ad hoc business specific management information to the respective line of businesses.
• Continuous Improvement
• Assist to lead identification and realization of value both as a USD Business Impact outside FO as well as to improve cost efficiency within FO.
• Initiate and lead the improvement initiatives in the China, in full cooperation with Process Excellence team, and support other processes CI initiatives, in an e2e manner.
• Encourage the team to embed CI mindset and look for opportunity to improve, incl. Quick wins. Help to improve Shell working capital is also a key improvement objective.
• Leadership
• Provide indirect supervision to the assigned team including work planning & prioritisation, and acting as the point of reference for operational issues.
• This role is to assist in the coordination and control of the activities delivered by the team achieving excellence in performance.
• Demonstrate and drive One Team mindset for stronger delivery of the operations and customer satisfaction. Coach and be a role model to the team in living Shell’s core values.
• Support the development of high performing Credit Assessment team by focusing on individual and team development. Improving the credit and collection competencies within the team is a priority. This role also calls for supporting the interviewing process and as co-assessors on hiring the right fit for jobs in China.
• General
• Conduct business engaging &/or cross functional partners. Keep up-to-date on issues by holding regular discussions with the Credit analysts and local Business Sales teams.
• Review e2e credit process to identify strategic improvements.

For further information, and to apply, please visit our website via the “Apply” button below.