Credit and Risk Analyst

Ready to shape the future of work?

At Genpact, we dont just adapt to changewe drive it. AI and digital innovation are redefining industries, and were leading the charge. Genpacts AI Gigafactory, our industry-first accelerator, is an example of how were scaling advanced technology solutions to help global enterprises work smarter, grow faster, and transform at scale. From large-scale models to agentic AI, our breakthrough solutions tackle companies most complex challenges.

If you thrive in a fast-moving, tech-driven environment, love solving real-world problems, and want to be part of a team thats shaping the future, this is your moment.

Genpact (NYSE: G) is an advanced technology services and solutions company that delivers lasting value for leading enterprises globally. Through our deep business knowledge, operational excellence, and cutting-edge solutions - we help companies across industries get ahead and stay ahead. Powered by curiosity, courage, and innovation, our teams implement data, technology, and AI to create tomorrow, today. Get to know us at genpact.com and on LinkedIn, X, YouTube, and Facebook.

Inviting applications for the role of Assistant Manager and Manager - Credit Risk

In this role, The Credit & Risk - Business & General Aviation plays a hands-on role in managing daily credit risk operations, enabling uninterrupted fuel supply through timely, well informed credit decisions.

The role partners closely with Sales, Operations, Dispatch, and Collections to assess, monitor, and mitigate customer credit risk while safeguarding portfolio quality in a fast-paced aviation environment.

Shift Timing - US

Location - Gurugram

Responsibilities

1. Supports day to day credit risk operations with high energy, ownership, and a strong commercial mindset, enabling sales growth through balanced, risk appropriate credit decisions while protecting the company.

2. Performs daily credit risk analysis and underwriting for a large aviation customer base (22K+ customers) within a fuel distribution business, demonstrating a strong analytical mindset and high attention to detail across financial analysis, exposure monitoring, credit limits, and payment performance.

3. Engages sensitive credit conversations and negotiations with internal/external stakeholders using exceptional stakeholder influence, clear verbal communication, and well-structured written communication (including English and all concepts both written and verbal communication).

4. Operates effectively in a demanding, fast paced environment, demonstrating accuracy under pressure, adaptability, and timely independent decision making to balance the risk/return of individual accounts.

5. Conducts new customer assessments, existing customer reviews, limit increases, payment term changes, ad hoc reviews, and exception handling in line with credit policy, showing sound judgment and policy compliance.

6. Identifies, evaluates, and mitigates credit risk by analyzing customer financial, payment behavior, ownership structures, market and regional risks, and industry dynamics, applying critical thinking and commercial awareness.

7. Manages Risk relative to underwriting and results of assessing counterparty to determine how customer can be supported while protecting valuation of the outstanding accounts receivable

8. Manages daily operational credit decisions such as order release approvals, fuel supply enablement, and card approvals with accuracy, timeliness, and decision-making confidence.

9. Structures risk mitigants (e.g., guarantees, LCs, margining, secured terms) to unlock commercial opportunities while managing downside risk, applying problem solving capability, sound judgment, and risk discipline

10. Performs regular and periodic portfolio reviews to proactively identify emerging risks, deteriorating accounts, and concentration exposures, demonstrating proactive risk ownership.

11. Prepares clear, structured, and well documented credit notes, assessment summaries, and risk recommendations, reflecting strong written communication skills and clarity of thought.

12. Collaborates closely with Sales, Dispatch, Customer Support, Credit Leadership, and Collections teams, demonstrating collaboration, stakeholder management, and a solution-oriented mindset.

13. Consults with senior management and credit leadership on complex, high risk cases, including escalations and restructurings, displaying professional maturity and confidence in handling complexity.

14. Analyzes complex and elevated risk credit requests, including limit exceptions and high value accounts, recommending revised terms or safeguards with analytical rigor and balanced risk judgment.

15. Supports legal, bankruptcy, and insolvency cases through coordination with internal legal teams, external counsel, and collections partners, showing resilience and structured problem-solving ability.

16. Contributes to bad debt management and quarterly reserve analysis with financial discipline and accountability.

17. Builds strong working relationships through professionalism, openness, and collaboration, valuing feedback and continuous learning.

18. Brings genuine passion for credit risk management and aviation business dynamics, with curiosity and motivation to continuously build expertise and take initiative within the role.

Qualifications we seek in you!

Minimum Qualifications

Holding Bachelors / masters degree in accounting, economics, business studies, or CA, CS, ICWA, CMA, CFA, FPNA, FRM holding any of these qualifications with years of relevant experience in Credit & Risk Management or related domains

Must have done Experience in Risk Management, Credit Underwriting, financial spreading, Deeper level of financial assessment

Preferred Qualifications/ Skills

Degree in Finance Risk Management

Flexible support to 24/7 operations, US Facing Client

Stretch beyond stipulated shift hours as per business requirement.

Excellent & Proactive communicator, Eye for details, Self-starter, highly collaborative and interactive, and go getter mindset

Has extensive dealt with international stakeholders across US, Europe

Why join Genpact?

Be a transformation leader - Work at the cutting edge of AI, automation, and digital innovation

Make an impact - Drive change for global enterprises and solve business challenges that matter

Accelerate your career - Get hands-on experience, mentorship, and continuous learning opportunities

Work with the best - Join 140,000+ bold thinkers and problem-solvers who push boundaries every day

Thrive in a values-driven culture - Our courage, curiosity, and incisiveness - built on a foundation of integrity and inclusion - allow your ideas to fuel progress

Come join the tech shapers and growth makers at Genpact and take your career in the only direction that matters: Up.

Lets build tomorrow together.

Genpact is an Equal Opportunity Employer and considers applicants for all positions without regard to race, color, religion or belief, sex, age, national origin, citizenship status, marital status, military/veteran status, genetic information, sexual orientation, gender identity, physical or mental disability or any other characteristic protected by applicable laws. Genpact is committed to creating a dynamic work environment that values respect and integrity, customer focus, and innovation.

Furthermore, please do note that Genpact does not charge fees to process job applications and applicants are not required to pay to participate in our hiring process in any other way. Examples of such scams include purchasing a 'starter kit,' paying to apply, or purchasing equipment or training.