Your role and responsibilities
Role Summary:
61 Cluster Credit Manager (CCM) ensures an optimal credit risk profile of the
third-party customer portfolio by taking responsibility, in assigned cluster
(of countries), for all credit risk reviews, while outlining mitigation
requirements (as needed), monitoring and reporting credit risks, being a
subject matter expert for Business Areas/Divisions
61 Acts as an active participant in ABB global credit risk management network,
CCM ensures effective implementation of credit risk policy, procedures,
processes and supporting documents.
61 CCM is responsible for the proper assessment, review and approval of the
creditworthiness of all potential new and existing third-party customers,
guarantors and consortium partners (if applicable). This includes credit risk
assessments prior to issuing quotations or accepting contracts with respect to
sales of goods or services, projects, and sales frame agreements.
61 CCM supports the organization in the establishment and ongoing development
of the collaborative credit risk management framework.
61 CCM is the primary speaking partner of Local Business Areas/Divisions for
customer credit risk matters. Facilitates effective business decisions by
identifying and communicating credit risks and opportunities of business
proposals, to avoid revenue loss and contribute to a low cash conversion cycle.

Main Accountabilities
61 Ensures compliance with O2C E2E Credit Risk Policy, and related policies,
procedures/ supporting documents, and internal controls defined by Global
Process Owner (GPO).
61 Proactively manages third-party customer portfolio while supporting
business for informed decisions.
61 Subject matter expert on credit risk topics and supports the local Business
Area (BA)/Divisions, providing credit decision & recommendations based on solid
rationale.
# CCM should consider meeting with customers together with salesperson as
appropriate.
61 Accountable for preparation and time bound delivery (before risk review
meeting) of credit risk assessment and related material for projects and sales
frame agreements.
61 Ensures credit risk assessments and define appropriate credit risk
mitigation, as needed; for new requests as well as existing customers. Also,
provides assessment on consortium partners, suppliers of domestic domicile, as
requested by Head GRCM and/or BAs/Divisions.

Qualifications for the role
61 Bachelor’s or Master’s degree in Business Administration, Accounting,
Finance or similar
61 Proven work experience as Credit Manager or more than 5 years of relevant
experience in fundamental credit risk analysis of corporations and financial
companies, or project risk management. Financial Acumen.
61 Strong understanding of Order-to-Cash end-to-end process, including the
identification of the customer, credit risk evaluation, credit terms and
conditions, customer billing, cash application, collections and dispute
management.
61 Interdisciplinary and networked thinking, strong interest in understanding
the inherent complexity and dynamics of countries and industries (including
changes in regulatory frameworks) and their relevant impact on corporate and
financial counterparty credit risk profiles.