Job Description

Ready to shape the future of work?
At Genpact, we don't just adapt to change--we drive it. AI and digital innovation are redefining industries, and we're leading the charge. Genpact's AI Gigafactory, our industry-first accelerator, is an example of how we're 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 that's 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 an Management Trainee-Commercial Credit Risk Analyst
To determine the commercial credit worthiness of customers and prospects, to drive smart sales solutions across the business. Gather data (demographic, industry, regional, and financial). Leverage risk models to perform credit analytics to understand default risk, recommend commercial credit limits, and determine trade terms. On an ongoing basis, analyze and assess default risk across the Industrial AR portfolio while driving action to mitigate the credit risk in a collaborative manner with cross-functional teams. Present credit findings to varying levels of leadership across the business. The ultimate purpose of this role is to protect business revenue and drive healthy cash flow.
Responsibilities
Perform timely credit risk analysis on prospects and existing commercial customers, portfolio monitoring, and management.
Analyzing and interpreting financial statements (Balance sheet, Profit & Loss and Cash flow statements)
Run the credit services for the businesses supporting credit reviews, customer set up & order release.
Effectively communicate credit findings to the responsible deal team/requestor in the Industrial business and prove a plan of action to mitigate and/or limit the credit risk.
Navigate effectively within multiple credit tools, receivable systems and internal processes to deliver accurate and timely credit risk recommendations.
Maintain high standards of data quality within the data sets for credit risk models and external reporting.
Facilitate problem resolution and process optimization as it relates to risk platform interfaces and data quality.
Support seamless new client onboarding and meeting ongoing service level agreement requirements.
Ensure execution of the Industrial Risk policy and adherence to established delegation of authorities by the businesses.
Other tasks assigned by Manager or applicable leadership.
Minimum Qualifications
University graduate in a related field (Economic/Accounting and Finance studies is an advantage)
Excellent command of English
Experience in credit risk management and analysis, setting up customers in various ERP's
Proficient understanding of financial statements and trending financial data.
Hands on experience in ERP's
Industrial product and industry knowledge, commercial risk management or lending experience is a plus
Well-rounded understanding of Excel and PowerPoint
Preferred Qualifications / Skills
Strong interpersonal skills
Excellent communicator and facilitator
Strong analytical and problem-solving skills.
Resourcefulness - ability to utilize internal/external resources and networks to identify solutions.
Preparedness to be able to foster an environment where questions, ideas and suggestions are encouraged/valued.
Proven track record in building trust and commitment within business & with stakeholders
Ability to connect and engage with all levels in the business and appropriately flex communication style to suit these varying audiences.
Ability to work well individually and part of a team to meet tight deadlines and handle multiple projects/tasks.
Self-motivation and commitment to achieve objectives.
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.
Let's 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.

Skills Required