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Senior Credit Analyst

Senior Credit Analyst

TD SYNNEXBangalore, India
30+ days ago
Job type
  • Full-time
Job description

Purpose Statement

  • Credit evaluation and analysis
  • AR management
  • Finance and Accounting process

Dimensions

  • Analyse and evaluate financial position of customers / vendors on a daily basis.
  • Ensure OTIF collection + follow up outstanding AR on a weekly basis.
  • External audits & Tax compliance + finance report on a monthly basis

    • Key Accountabilities

    Credit analysis and evaluation

  • Able to read and understand financial statements of business partners.
  • Calculate key financial KPIs such as profitability ratios, liquidity ratios and effectiveness ratios.
  • Propose appropriate credit limits for customers with strong business justification.
  • Ensure the up-to-date credit limit in the systems that can support the business.

    • AR management

  • Regularly update AR status and collection in progress to management.
  • Target to reduce AR days to improve working capital status.
  • Working closely with insurance company to mitigate credit risks.
  • Target no bad debts and follow up any legal actions on AR collection.
  • Customers master data maintenance

    • Finance and accounting process

    Internal reports and external audit support.

  • Assist Finance manager on external audit process.
  • Update actual financial reports such as P&L, Cashflow, AR, AP management.
  • Monitor top 10 vendors in terms of revenue and CM2.
  • Monitor top 20 customers and working with relevant stakeholders to build on and follow incentives schemes.
  • Quarterly brief Balance sheet and P&L reports

    • Tax supports

  • Monthly VAT and WHT declaration
  • Monthly VAT and WHT payment settlements
  • Monthly PIT payment settlements
  • Annually Business license Tax
  • Monthly Tax payment summary report
  • Quarterly CIT

    • Cash management

  • Daily cash report to Treasury team
  • 18 months rolling Funding plan.
  • Maximize fixed deposit by using idle cash regularly.

    • People

  • Building relationship with :   Finance department, internal Stakeholder, Business’s partner, external suppliers.
  • Review work processes and system to improve efficiency and Accountability.
  • Ensure that own roles assigned operate under an effectiveness of control environment.
  • Self-development

    • Context

  • This position is required to ensure document aligned with company procedure and policy; payment is exact (amount, supplier)
  • VAS, local tax regulations and other relevant regulations such as social insurance, statistics, administration affairs

    • Knowledge, Skills and Experience

  • Diploma in accounting
  • ACCA and Big4 background are preferred.
  • Good knowledge at Financial Accounting,
  • SAP system is preferred.
  • Maintain supportive relationship with other Finance Department and other functional Departments.
  • Always behave in constructive and professional manner when dealing with internal and external business contact
  • Intermediate level knowledge of modern accounting and accountancy practice and techniques, including some actual prior accounting and finance experiences (more than 2 years) either in an Accounting / Audit / Consultancy companies.

    • Key Skills

  • Ability to communicate effectively (under guidance) with a cross-functional audience.
  • Capacity to adapt behavior to cope with changing environment / processes.
  • Ability to propose solutions, and reasonable communication and influencing skills.
  • A person who works well with guidance but is also self-motivated.
  • Spoken and written English must be of a high standard.

    • Key Success Factors

  • Align with the company policy as well as local tax regulations.
  • AR monthly reconciliation
  • Clear on monthly basis with no pending / old ageing items
  • Timely and accurate posting and report submission

    • Working Relationship

    Internal :

    Line manager, peers, stakeholder

    External :

    Internal Auditors, External Auditors, supplier and local authorities

    Additional Comments

  • Effective working relationship with Line Manager, peers and cross-functional departments team across the organization
  • Ability to work in the field with little supervision.
  • Self-motivated to conduct tasks assigned and reviews on-time / in full.
  • High level of understanding of processes and controls to identify opportunities for improvements.
  • Ability to negotiate and manage discussions with senior managers in order to effectively conduct task reviews.

    • What’s In It For You?

  • Elective Benefits : Our programs are tailored to your country to best accommodate your lifestyle.
  • Grow Your Career : Accelerate your path to success (and keep up with the future) with formal programs on leadership and professional development, and many more on-demand courses.
  • Elevate Your Personal Well-Being : Boost your financial, physical, and mental well-being through seminars, events, and our global Life Empowerment Assistance Program.
  • Diversity, Equity & Inclusion : It’s not just a phrase to us; valuing every voice is how we succeed. Join us in celebrating our global diversity through inclusive education, meaningful peer-to-peer conversations, and equitable growth and development opportunities.
  • Make the Most of our Global Organization : Network with other new co-workers within your first 30 days through our onboarding program.
  • Connect with Your Community : Participate in internal, peer-led inclusive communities and activities, including business resource groups, local volunteering events, and more environmental and social initiatives.