Commercial Finance Specialist

Commercial Finance Specialist

Key Responsibilities

1. Quote-Level Margin Analysis & Commercial Governance

• Review and validate deal-level / quote-level margins before order booking 
• Ensure adherence to pricing guidelines, approval matrices, and profitability thresholds 
• Analyze cost structures, discounting, and commercial terms to protect margins 
• Highlight low-margin or loss-making deals and recommend corrective actions 
• Work closely with Sales to structure commercially viable deals 

 

2. Customer Risk & Credit Evaluation

• Perform detailed credit assessment for new and existing customers 
• Analyze financial statements, cash flows, and credit reports 
• Set and review credit limits, payment terms, and risk classifications 
• Evaluate project-based and large exposure risks before approvals 
• Recommend risk mitigation strategies (advance, BG, LC, etc.) 

 

3. Credit Control & Exposure Management

• Monitor customer exposure, credit utilization, and ageing trends 
• Track overdue receivables and potential default risks 
• Partner with Collections team to ensure timely cash flow realization 
• Flag early warning signals and drive proactive risk actions 

 

4. Business Partnering

• Collaborate with Sales, Commercial, and Operations teams to balance growth with risk 
• Provide financial insights on deal structuring, pricing, and payment terms 
• Support strategic decisions with data-driven analysis 
• Drive awareness of credit discipline and margin accountability across teams 

 

5. Governance & Compliance

• Ensure adherence to credit policies, approval frameworks, and internal controls 
• Maintain proper documentation for credit approvals and deviations 
• Support internal and external audits related to credit and commercial controls 
• Continuously improve processes to enhance efficiency and risk management 

 

Key Performance Indicators (KPIs)

• Margin improvement / leakage control 
• Reduction in bad debts and overdue receivables 
• Accuracy and turnaround time of credit evaluations 
• Adherence to approval matrix and governance standards 
• Improvement in cash flow and DSO (Days Sales Outstanding) 

 

Qualifications & Experience

• B Com; Inter-CA /CMA- MBA (Finance) or equivalent qualification 
• 5–6 years of experience in commercial finance / credit risk / business finance 
• Strong experience in margin analysis, pricing, and credit evaluation 
• Exposure to project-based / B2B / infrastructure / IT / manufacturing industries preferred 

 

Skills & Competencies

• Strong financial and analytical skills 
• Excellent understanding of financial statements and risk indicators 
• Ability to influence cross-functional stakeholders 
• Strong commercial acumen and business judgment 
• High attention to detail with a proactive mindset 
• Effective communication and negotiation skills 

 

Preferred Experience

• Experience in handling large enterprise / key accounts 
• Familiarity with ERP systems (SAP/Oracle) 
• Experience in dealing with BG, LC, and structured payment mechanisms 

 

Experience Level

Senior Level