Job Description

About VOIS:
VOIS (Vodafone Intelligent Solutions) is a strategic arm of Vodafone Group Plc, creating value and enhancing quality and efficiency across 28 countries, and operating from 7 locations: Albania, Egypt, Hungary, India, Romania, Spain and the UK.
Over 29,000 highly skilled individuals are dedicated to being Vodafone Group's partner of choice for talent, technology, and transformation. We deliver the best services across IT, Business Intelligence Services, Customer Operations, Business Operations, HR, Finance, Supply Chain, HR Operations, and many more.
Established in 2006, VOIS has evolved into a global, multi-functional organisation, a Centre of Excellence for Intelligent Solutions focused on adding value and delivering business outcomes for Vodafone.
About VOIS India:
In 2009, VOIS started operating in India and now has established global delivery centres in Pune, Bangalore and Ahmedabad. With more than 14,500 employees, VOIS India supports global markets and group functions of Vodafone, and delivers best-in-class customer experience through multi-functional services in the areas of Information Technology, Networks, Business Intelligence and Analytics, Digital Business Solutions (Robotics & AI), Commercial Operations (Consumer & Business), Intelligent Operations, Finance Operations, Supply Chain Operations and HR Operations and more
Role Purpose
The role is for a Credit risk Manager. The incumbent is required to be highly analytical and detail oriented. The role focuses on evaluating and structuring leveraged transactions, assessing creditworthiness, and ensuring compliance with regulatory standards. The ideal candidate will bring strong analytical skills and a proactive approach to risk mitigation and reporting.
Key Functional accountabilities
Operational Planning, operations and service
- Working closely with DGM CTC, Global Process leaders and other key stakeholders.
- Evaluate the creditworthiness of potential and existing clients using financial analysis and risk modeling techniques.
- Support the structuring and negotiation of new leveraged transactions, ensuring alignment with internal risk appetite and market conditions.
- Develop and implement strategies to minimize exposure to credit risk.
- Continuously monitor the credit risk portfolio, including key KPIs such as bad debt, involuntary churn, and credit vetting rejections/approvals.
- Ensure the achievement of financial objectives set for the year for overall process and by key stakeholder partner.
- Be accountable for the end-to-end finance process for e.g. including controls functions.
- Implement and drive quality standard frameworks and ensure that high levels of quality accounting are maintained, including alignment with global best practices.
- To deliver daily, weekly and monthly reporting, internal to Finance Operations as well as for Business Partners.
- Participate in and manage Projects wherever appropriate.
Customer Satisfaction
- Build and maintain strong relationships with all key stakeholders.
- Adopt a proactive approach for issue resolution and to prevent problems from arising in the future.
- Align service delivery to changing needs and ensure effective customer and stakeholder management.
- Ensure customer needs and requirements are satisfied through appropriate systems / processes / procedures being in place and ensuring that they deliver on customer specific strategies.
Leadership & Teamwork - Responsible for business planning for the management of the CTC Team process.
- Responsible for succession plans for the team.
- Collaborate with cross-functional teams to support ongoing risk-related projects and initiatives.
- As a key member of the FINOPS wider leadership team ensure involvement in driving the successes of the company.
- The ability to work within a team environment towards the achievement of pre-defined objectives with a focus on:

• Credit risk analysis
• Service levels
• Month-end, half-year and year-end period closures
• Balance sheet reconciliations.

Compliance and control - Responsible for a strong control environment, ensuring compliance to all relevant Group policies.
- Adherence to Group Policies, SOX, Internal Audit, External Audit and Key control questionnaires.
- Work with internal / external teams to conclude on all queries / issues.
- Ensure all credit risk activities comply with internal policies and external regulatory requirements.
Performance management (CI and diagnostics)
- Follow the escalation path and non-surprise management philosophy.
- Identify initiatives to improve the function in line with Global performance metrics, analyze and interpret data and identify trends, relationships and risk.
- Responsible for the month-end closing activities, balance sheet reconciliations, identify gaps and steps to be taken to correct incorrect entries.
- Prepare detailed credit risk reports and present findings to senior management. Maintain accurate documentation for audit and compliance purposes.
- Ensure the achievement of financial objectives set for the year for overall process and by key stakeholder partner.
- Drive continuous improvement as an important element of delivery to ensure effective and efficient processes that meet World Class standards.
- Identify trends / patterns pertaining to customer requests and needs and filter this information through to the business to continually improve all aspects of service delivery.
- Support the team in resolving operational process and control issues.
India:
VOIS is proud to be an Equal Employment Opportunity Employer. We celebrate differences and we welcome and value diverse people and insights. We believe that being authentically human and inclusive powers our employees' growth and enables them to create a positive impact on themselves and society. We do not discriminate based on age, colour, gender (including pregnancy, childbirth, or related medical conditions), gender identity, gender expression, national origin, race, religion, sexual orientation, status as an individual with a disability, or other applicable legally protected characteristics.
As a result of living and breathing our commitment, our employees have helped us get certified as a Great Place to Work in India for four years running. We have been also highlighted among the Top 10 Best Workplaces for Millennials, Equity, and Inclusion, Top 50 Best Workplaces for Women, Top 25 Best Workplaces in IT & IT-BPM and 10th Overall Best Workplaces in India by the Great Place to Work Institute in 2024. These achievements position us among a select group of trustworthy and high-performing companies which put their employees at the heart of everything they do.
By joining us, you are part of our commitment. We look forward to welcoming you into our family which represents a variety of cultures, backgrounds, perspectives, and skills!
Apply now, and we'll be in touch!
Vodafone is committed to attracting, developing and retaining the very best people by offering a motivating and inclusive workplace in which talent is truly recognised and rewarded. We are committed to promoting Inclusion for All with the belief that diversity plays an important role in the success of our business. We actively encourage everyone to consider becoming a part of our journey.