Credit Analyst - MumbaiBasic FunctionSet credit guidelines for their respective areas of responsibility to meet business objectives & control Accounts Receivable risk exposure.Evaluate customers and country risks within the guideline of the credit policy.Understand and ensure compliance with established credit standards, policies, and procedures and monitor credit exposures.Contribute to optimize the working capital of the Enterprise by efficient Account Receivable Management, in conjunction with the Business, Sales and Finance groups.Implement the global credit strategy in the respective areas of responsibilityRoles & ResponsibilitiesMaintaining an efficient risk management system - including business and country risk - for the customers company's portfolio in order to allow and steer prompt decision making. Working co-operatively with Business and Sales Management to assess credit worthiness of customers.Preventing, reducing and managing credit losses when occurred.Consulting business and sales on developing business in markets / customers with high credit risk.Propose and implement long term solutions with problematic or high maintenance customers.Support Credit Assistants in managing cash collection, cash activities (EU and US only)Developing financial strategies to reduce / hedge exposure at customers/markets with high credit risk. Participate and / or lead credit related projects.Represent LBI's credit department at congresses / credit associations / credit events.EducationB/A in Finance / Economics / Business Administration Work ExperienceAt least 3 years' experience in a credit functionLanguagesFluent in spoken & written English, Hindi.SkillsGood understanding of computer systems and software (particularly SAP).Analytical skills with the ability to propose creative ideas to conduct business in risky environments.Good interpersonal, communication, reporting and presentation skills.Ability to work in a team in a multinational environment.Proactive, able to take initiatives as well as to take quick decisions based on calculated risks.IT literate: Solid grasp of Microsoft Office applications and knowledge of SAP is a pre.Strong work ethic and ability to work in a fast-paced environment.Critical Essential CompetenciesCustomer Focus - Anticipates and acts with the customer in mind; is dedicated to meeting and/or exceeding the expectations and requirements of the customer to deliver exceptional value; establishes and maintains effective relationships with customers and continually seeks feedback and information to improve products and services.Drive for Results - Steadfastly pushes self and others for results; works with passion and a sense of urgency; seeks opportunities to improve results and processes in a proactive manner; contributes to the goals and profitability of the company.Interpersonal Capability - Builds appropriate rapport with others; is comfortable receiving coaching and feedback from others; builds constructive and effective relationships; uses diplomacy and tact; diffuses even high-tension situations comfortably; encourages cooperation and collaboration; is candid with others; solves problems with others with a minimum of noise.Integrity & Building Trust - Presents the truth in an appropriate and helpful manner; keeping confidences; takes responsibility for mistakes; doesn't misrepresent him/herself for personal gain; practices what he or she preaches; recognizing the right behaviors and disapproves of the inappropriate ones. Negotiating - Can negotiate skillfully in tough situations with both internal and external groups. Can settle differences with minimum "noise". Can win concessions without damaging relationships. Can be direct and forceful as well as diplomatic. Gains trust quickly of other parties to the negotiations. Has a good sense of timing. Presentation and Communication Skills - Presents information in a simple way, clearly communicating the key messages and engages the audience. Communicates openly and clear. Simplifies complex issues where possible and share information freely.CompetenciesBuilds effective teamsCollaboratesCultivates innovationCustomer focusDemonstrates courageDrives resultsEnsures accountabilityInstills trust and exemplifies integrity