Job Description

WNS (Holdings) Limited (NYSE: WNS), is a leading Business Process Management (BPM) company. We combine our deep industry knowledge with technology and analytics expertise to co-create innovative, digital-led transformational solutions with clients across 10 industries. We enable businesses in Travel, Insurance, Banking and Financial Services, Manufacturing, Retail and Consumer Packaged Goods, Shipping and Logistics, Healthcare, and Utilities to re-imagine their digital future and transform their outcomes with operational excellence.We deliver an entire spectrum of BPM services in finance and accounting, procurement, customer interaction services and human resources leveraging collaborative models that are tailored to address the unique business challenges of each client. We co-create and execute the future vision of 400+ clients with the help of our 44,000+ employees.

• Responsible for credit risk management of an assigned portfolio of customer accounts within the U.S. and Canadian markets.
• This role supports credit risk assessment, optimizing cash flow, mitigating bad debt, and providing strategic credit options to hedge risk and maximize sales growth.
• This position is vital to ensuring robust, commercially sound credit decisions that support our SNA sales teams.
• Position will operate during hours required to effectively align with US & Canadian business operations/time zones.
• Key Responsibilities:

1. Portfolio Management: Directly lead a select number of accounts within the U.S. and Canada portfolio
2. Financial Analysis: Analyze customer financial statements and assess the creditworthiness of corporate customers based in North America
3. Due Diligence: Conduct thorough due diligence, including customer interaction, credit screening, onboarding of new customers, and continuous monitoring of existing accounts
4. Credit Assessment: Assess credit limit requirements and recommend new limits or changes that align with the customer’s risk profile and comply with client's credit policy and delegation of authority
5. Reporting & Review: Prepare comprehensive quarterly/annual customer-level credit reviews
6. Order Management: Ensure timely review and controlled release of credit-blocked orders
7. Collaboration & Collections: Collaborate closely with AR collections team to achieve key performance indicators (KPIs) and manage direct customer collection efforts when escalation is required
8. System Administration: Maintain customer and credit master data within our systems (SAP preferred) and process new customer credit applications
9. Compliance: Manage customer sales tax exemption records and complete anti-money laundering (AML) and fraud screening procedures.
10. Preferred Skills:
11. Familiarity with credit insurance and utilization of credit scorecards
12. Collections escalation management experience
13. Accounting Standards: Knowledge of US GAAP and IFRS standards

Job Location- Pune (Viman Nagar)

Qualifications

• Minimum of 2–5 years of credit analysis and collection experience, preferably within a bank or finance institution focused on trade credit-related analysis• Domain Expertise: Dynamic commercial credit and risk assessment experience, ideally within the wholesale distribution and retail industry segments of the US and Canadian markets• Communication: Fluent and articulate English communication skills are essential, with the ability to clearly underwrite credit recommendations for Senior Management in North America• Analytical Tools: Strong understanding of industry tools such as Dun & Bradstreet, as well as general Credit and Debt Ratings• Extraordinary skills in financial statement analysis, evaluation of credit dynamics, experience with risk mitigation instruments and documentation • Bachelor’s degree required, with a concentration in Finance, credit certification strongly preferred• Systems knowledge: SAP