Job Description

Key Responsibilities

1. Quote-Level Margin Analysis & Commercial Governance

• Review and validate deal-level / quote-level margins before order booking
• Ensure adherence to pricing guidelines, approval matrices, and profitability thresholds
• Analyze cost structures, discounting, and commercial terms to protect margins
• Highlight low-margin or loss-making deals and recommend corrective actions
• Work closely with Sales to structure commercially viable deals

2. Customer Risk & Credit Evaluation

• Perform detailed credit assessment for new and existing customers
• Analyze financial statements, cash flows, and credit reports
• Set and review credit limits, payment terms, and risk classifications
• Evaluate project-based and large exposure risks before approvals
• Recommend risk mitigation strategies (advance, BG, LC, etc.)

3. Credit Control & Exposure Management

• Monitor customer exposure, credit utilization, and ageing trends
• Track overdue receivables and potential default risks
• Partner with Collections team to ensure timely cash flow realization
• Flag early warning signals and drive proactive risk actions

4. Business Partnering

• Collaborate with Sales, Commercial, and Operations teams to balance growth with risk
• Provide financial insights on deal structuring, pricing, and payment terms
• Support strategic decisions with data-driven analysis
• Drive awareness of credit discipline and margin accountability across teams

5. Governance & Compliance

• Ensure adherence to credit policies, approval frameworks, and internal controls
• Maintain proper documentation for credit approvals and deviations
• Support internal and external audits related to credit and commercial controls
• Continuously improve processes to enhance efficiency and risk management

Key Performance Indicators (KPIs)

• Margin improvement / leakage control
• Reduction in bad debts and overdue receivables
• Accuracy and turnaround time of credit evaluations
• Adherence to approval matrix and governance standards
• Improvement in cash flow and DSO (Days Sales Outstanding)

Qualifications & Experience

• B Com; Inter-CA /CMA- MBA (Finance) or equivalent qualification
• 5–6 years of experience in commercial finance / credit risk / business finance
• Strong experience in margin analysis, pricing, and credit evaluation
• Exposure to project-based / B2B / infrastructure / IT / manufacturing industries preferred

Skills & Competencies

• Strong financial and analytical skills
• Excellent understanding of financial statements and risk indicators
• Ability to influence cross-functional stakeholders
• Strong commercial acumen and business judgment
• High attention to detail with a proactive mindset
• Effective communication and negotiation skills

Preferred Experience

• Experience in handling large enterprise / key accounts
• Familiarity with ERP systems (SAP/Oracle)
• Experience in dealing with BG, LC, and structured payment mechanisms