Main Tasks:

• Proactively manages portfolio of companies for grading and exposures
• Gathers appropriate level of information to assess companies
• Assess companies according to defined targets (manual grading)
• Issue correct limit decisions to minimize claims as well as satisfy policyholder’s queries
• Communicate the reasoning of partial risk decisions to policyholders
• Maintain the risk department KPIs through the year

Underwriting: 

• Engage in meetings, especially with clients/brokers.
• Build long term and profitable customer relationship, including those  in a context of restrictive decisions
• Steering to ensure acceptable portfolio loss ratio and proposing actions to ensure/restore profitability of portfolio
• Validate terms and conditions on risk side for new products or review of existing policies

• Ensure that the minimum quality standards are applied  to secure customer satisfaction and a strong risk steering
• Operational involvement and workflow management of cases
• Participate in local and regional events involving policy holders, prospects and financial partners
• Active support to  commercial team colleagues
• Building a trustful relationship with customers, brokers and any other intermediaries to improve customer porfolio profitability.

Analysis :

• Carry out detailed company assessment, write large reports
• Realize and maintain numerous contacts with companies and other sources:
• Make Phone calls and company visits to get more information for assessment
• Provides minimum level of analysis without company contact
• Permanently monitors given portfolio of companies
• Take actions based on negative market info/internal negative info from clients
• Track industry/sector information and use the information in companies’ analysis.

Qualification and Experience:

Post graduate / MBA in Finance with 3-4 years’ relevant experience/Graduate with 5-8 years’ experience  

Desirable: Knowledge of credit analysis and relevant processes

1.   Market knowledge:

• Extensive knowledge of Indian economy,  business and industry sectors
• Very good knowledge of Finance and Credit Management/ underwriting
•  Expertise and experience in corporate financial analysis and assessment.

2. Business expertise

• Strong business assessment skills
• Superior skills in balance sheet analysis.
• High level of commercial awareness and customer service

3. Communication :

• Excellent communication skills in English
• Ability to convince.
• Ability to build long term and profitable customer relationship, even in a context of restrictive decisions and deteriorated market conditions
• Be a good communicator and able to convince clients and other stakeholders about risk  decisions taken

4. Interpersonal Skills:

• Ability to hold client attention , including attend difficult and high profile meetings with senior people at client end.
• Establish a good network
• Ability to hold visits and contacts, including high difficult and high profile meetings with senior people
• Capable to work in a multicultural environment

AI-related skills/:

• (Generative) Artificial Intelligence or GenAI or AI
• Data Analysis
• (Microsoft) Copilot
• ChatGPT

Allianz Trade embraces innovative technologies. We utilize Artificial Intelligence powered tools and encourage candidates with a basic understanding of commonly used platforms, as well as an awareness of best practices and the potential risks associated with AI in the workplace to apply.