Credit Analyst

About NCR VOYIX

NCR VOYIX Corporation (NYSE: VYX) is a leading global provider of digital commerce solutions for the retail, restaurant and banking industries. NCR VOYIX is headquartered in Atlanta, Georgia, with approximately 16,000 employees in 35 countries across the globe. For nearly 140 years, we have been the global leader in consumer transaction technologies, turning everyday consumer interactions into meaningful moments. Today, NCR VOYIX transforms the stores, restaurants and digital banking experiences with cloud-based, platform-led SaaS and services capabilities.

Not only are we the leader in the market segments we serve and the technology we deliver, but we create exceptional consumer experiences in partnership with the world’s leading retailers, restaurants and financial institutions. We leverage our expertise, R&D capabilities and unique platform to help navigate, simplify and run our customers’ technology systems.

Our customers are at the center of everything we do. Our mission is to enable stores, restaurants and financial institutions to exceed their goals – from customer satisfaction to revenue growth, to operational excellence, to reduced costs and profit growth. Our solutions empower our customers to succeed in today’s competitive landscape. 

Our unique perspective brings innovative, industry-leading tech to all the moving parts of business across industries. NCR VOYIX has earned the trust of businesses large and small — from the best-known brands around the world to your local favorite around the corner.

• Title: Credit Analyst

  Location: Bangalore

  The Credit Analyst plays a crucial role in evaluating new credit applications, new order releases, establishing appropriate customer credit limits, and managing ongoing credit risk for NCRV’s Global Credit Risk Group. The position reports directly to the Executive Director of Global Credit Services.  In this position, you will be challenged by a fast-paced environment with the goal of reducing losses by using your credit risk and analytical experience. Additionally, you are often in charge of direct communications with customers of all levels, so your communication and interpersonal skills are crucial to success.  

  This position will involve many aspects of corporate credit and risk management functions, including but not limited to reading and analyzing D&B and personal credit reports, financial statement spreading and analysis, investigation of underlying collections issues, and sometimes assisting in resolutions of cash flow problems through a repayment plan.  Your job as a Credit Analyst will require a high degree of independent work and analytical and problem-solving skills in a fast-paced professional environment.

  Key Areas of Responsibility:

  • Credit Assessment: Evaluate the creditworthiness of individuals and businesses by analyzing corporate financial statements, credit reports, and market conditions throughout the world.

    • Provide independent review and decision within allotted credit authority limits.

    • Perform KYC and AML due diligence in accordance with governmental regulations.

  • Risk Management: Monitor and manage ongoing credit risk, ensuring compliance with credit policy and regulations. Perform due diligence and periodic reviews on existing clients of all sizes. 

  • Financial Analysis: Conduct in-depth review of public and private financial statements, market trends, and microeconomic conditions

  • New Account Underwriting: Underwrite new and ongoing credit limit requests, including repayment plans, and provide decisions and/or recommendations based on those risk assessments.

  • Stakeholder Collaboration: Work closely with internal and external stakeholders, including Sales Leaders and clients, to communicate credit decisions, policies, and risk assessments.

  • Contribute to improving processes throughout the Global Credit Services team.

  • Team player is a must in this role – working cohesively and communicating as a group is a key success factor within the team.

  • Ability to multi-task, respond timely to a high volume of emails and credit requests, staying within SLA guidelines. 

  Basic Qualifications:

  • Education: Bachelor degree in Finance, Accounting, or a related field. A master's degree or relevant certifications (e.g., CFA, CPA) is a plus.

  • Experience: Minimum of 2-5 years of experience in a formal credit analysis role.

  • Skills: Strong understanding of financial statements credit risk analysis.

  • Expertise in analyzing business and personal credit reports such as D&B, Experian, Equifax.

  • Analytical Skills: Excellent analytical and problem-solving skills, with attention to detail and high accuracy.

  • Communication: Strong communication and interpersonal skills, with the ability to work independently and as part of a team. Strong verbal, written, and oral communication skills.

  • Ability to meet deadlines and work in a fast-paced environment.

  • Proficient in MS Word and MS Excel

  • Ability to be self-motivated and quickly learn new processes and procedures.

• Basic Qualifications:

  • Education: Bachelor degree in Finance, Accounting, or a related field. A master's degree or relevant certifications (e.g., CFA, CPA) is a plus.
  • Experience: Minimum of 2-5 years of experience in a formal credit analysis role.
  • Skills: Strong understanding of financial statements credit risk analysis.
  • Expertise in analyzing business and personal credit reports such as D&B, Experian, Equifax.
  • Analytical Skills: Excellent analytical and problem-solving skills, with attention to detail and high accuracy.
  • Communication: Strong communication and interpersonal skills, with the ability to work independently and as part of a team. Strong verbal, written, and oral communication skills.
  • Ability to meet deadlines and work in a fast-paced environment.
  • Proficient in MS Word and MS Excel
  • Ability to be self-motivated and quickly learn new processes and procedures.

Offers of employment are conditional upon passage of screening criteria applicable to the job

EEO Statement

Integrated into our shared values is NCR Voyix’s commitment to diversity and equal employment opportunity.  All qualified applicants will receive consideration for employment without regard to sex, age, race, color, creed, religion, national origin, disability, sexual orientation, gender identity, veteran status, military service, genetic information, or any other characteristic or conduct protected by law.  NCR Voyix is committed to being a globally inclusive company where all people are treated fairly, recognized for their individuality, promoted based on performance and encouraged to strive to reach their full potential.  We believe in understanding and respecting differences among all people.  Every individual at NCR Voyix has an ongoing responsibility to respect and support a globally diverse environment.

Statement to Third Party Agencies
To ALL recruitment agencies: NCR Voyix only accepts resumes from agencies on the preferred supplier list. Please do not forward resumes to our applicant tracking system, NCR Voyix employees, or any NCR Voyix facility. NCR Voyix is not responsible for any fees or charges associated with unsolicited resumes

“When applying for a job, please make sure to only open emails that you will receive during your application process that come from a @ncrvoyix.com email domain.”