Latest Vacancies at TradeDepot – Apply Now

Job Summary:

As Credit Risk Officer, you will be responsible for assessing, analyzing, and managing credit risk. Your primary objective is to ensure that the institution’s lending and credit-related activities are conducted in a prudent and responsible manner to minimize the potential for financial losses due to borrower defaults.

Key Responsibilities:

Credit Assessment:

• Evaluate credit applications, financial statements, and other relevant documentation to determine the creditworthiness of borrowers.
• Use credit scoring models and risk assessment tools to make informed lending decisions.
• Analyze historical and projected financial data to assess repayment capacity.

Risk Analysis:

• Identify, measure, and assess credit risk in the institution’s loan portfolio.
• Monitor market trends and economic conditions to anticipate potential credit risks.
• Evaluate industry-specific and borrower-specific risk factors.

Policy Compliance:

• Ensure that all credit-related activities adhere to internal policies, and best practices.
• Contribute to the development and implementation of credit policies and procedures. Stay updated on industry trends, market conditions, and emerging credit risk management practices to identify opportunities for process improvements.

Reporting:

• Prepare regular and ad-hoc reports on credit risk metrics and trends for senior management.
• Prepare monthly reports as mandated by regulatory requirements.
• Provide recommendations for risk mitigation strategies based on analysis.

Documentation:

• Maintain accurate and up-to-date records of credit decisions, borrower information, and risk assessments.

Communication:

• Collaborate with various teams, including credit analysts, underwriters, and legal counsel, to facilitate the credit approval process.
• Collaborate with collection teams to manage delinquent accounts and minimize credit losses
• Communicate credit decisions and recommendations to management and other relevant stakeholders for approval
• Follow through credit decisions and communicate with the relevant stakeholders. Ensure drawdown has occurred and payments have been made in the expected manner

Training and Development:

• Stay current with industry trends, best practices, and regulatory changes.
• Provide training and guidance to junior credit officers and other staff members.

Qualifications and Requirements:

• Bachelor’s degree in finance, economics, business, or a related field
• Strong analytical and quantitative skills.
• Knowledge of credit risk assessment techniques and financial analysis.
• Familiarity with credit scoring models and risk management software.
• Excellent communication and interpersonal skills.
• Attention to detail and the ability to make sound, well-informed decisions.
• Strong problem-solving and critical thinking abilities.

go to method of application »

Who we want?

We are looking for goal-oriented and proactive individuals with great Influencing skills who have the right attitude and persona as well as the ability to drive sustainable retail business growth. You should be able to manage business operations seamlessly with demonstration of strong business ethics. You must be passionate and demonstrate ownership to assess and translate in-store stock management and visibility opportunities into execution excellence in turn brand and SKU level growth at each outlet.

You will be responsible for:

• Ensure sales target achievement as per company objectives.
• Manage retail accounts in his assigned territory for business growth.
• Negotiate and influence value proposition to retailer for mutual business growth.
• Build and managing customer relationships through proactive inputs on market insights.
• Ensure achievement of key performance indicators KPIs.
• Managing superior in-store execution excellence – availability and visibility.
• Ensure process compliance as per company guidelines and standards.
• Manage task management for each outlet as per the process and timelines.
• Conduct effective sales call at each outlet as per the coverage and outlet specific plan.
• Negotiating shelf space and other visibility locations with retailers to drive sell-through.
• Ensure best in-store merchandising to maximize share of shelf for each brand and SKU.
• Manage displays as per the planogram and other guidelines provided time to time.
• Managing SKU level stock ordering with aim to increase availability and visibility.
• Ensure minimum stock levels at each outlet and proactively manage customers.
• Proactively coordinating with various functions to ensure excellent service delivery.

 Qualifications

• High School Diploma or equivalent; Bachelor’s Degree in a relevant field is a plus.
• Proven experience as a Sales Representative or in a similar role, preferably in the FMCG industry or convenience store sector.
• Excellent interpersonal and communication skills to build and maintain relationships with store staff and customers.
• Strong organizational and time management skills to ensure effective store visit scheduling and execution of tasks.
• Ability to work independently with minimal supervision while adhering to set targets and deadlines.
• The detail-oriented mindset with the ability to analyze data, identify trends, and make informed recommendations.
• Proficiency in using technology tools such as smartphones, tablets, and sales applications for reporting and communication.

go to method of application »