SeniorPrincipal Advisor Credit Risk

Why explore

• An opportunity to drive improvements

• Exposure to global operations processes and stakeholders

• Work in a collaborative and fast paced environment

• Based in Singapore a global commercial hub for Rio Tinto

About the role

We are looking for a Senior/Principal Advisor - Credit Risk to join the Commercial Credit Risk team whose function is to offer insightful proactive timely and high-quality credit analysis and risk advice to facilitate sound business decisions promote sustainable growth and protect the companys balance sheet.

This role is a great opportunity for an individual with a strong partnership mindset who understands the value of considering risk and uncertainty in business decision making and who loves and thrives in delivering strong commercial outcomes in close collaboration with different stakeholders from Sales & Marketing Commercial Services Logistics Procurement Finance Legal and other functions.

Reporting to the Senior Manager - Credit Risk you will:

Credit Risk Analysis and Portfolio Management

• Analyze qualitative and quantitative data on new/existing counterparties and risk profile of deal/structure in order to determine and recommend credit rating credit limit payment terms and credit solutions for the counterparty and the deal/structure.

• Responsible for management of counterparties under assigned portfolio including credit reviews queries on potential deals/exposures checks on limits availability onboarding requests credit blocks release and credit alerts.

• Management of counterparty relationships together with BU/PG (e.g. onboarding non-payment/default and/or any credit related events).

• Assess complex transactions in conjunction with BU/PG & functions with an aim to develop appropriate credit solutions and proper credit rights/terms in contracts.

• Responsible for liaising with credit insurers and brokers other risk teams and functions (e.g. Legal Finance) to implement credit management measures (e.g. security arrangements payments terms credit rights or triggers).

• Collaborate with Sales & Marketing teams on the formulation of solutions to enhance sales value through terms extension while ensuring risks are identified and mitigated.

• Support advise and partner with Commercial organization in their strategic and operating initiatives to deliver the cash target margin enhancement and process efficiencies to the Group.

Credit Monitoring and Reporting

• Monitor assigned portfolio daily using available tools/resources/market intelligence and promptly highlighted any adverse credit news within the portfolio and provide early risk alert of credit events.

• Maintain close communication with BU/PG to gain a deep understanding of portfolio in particular risk factors for the respective industry and counterparties.

• Monitor BU/PG adherence to credit limits and report all credit control breaches.

• Prepare review and validate credit management reports including sales forecasts credit exposure AR aging and excess monitoring as needed by RT credit insurers and banks.

• Ensure all credit reviews are up-to-date and all supporting documents are filed.

• Ensure credit processes maintain consistency with relevant governance framework and documents and/or reporting process are in place.

• Prepare presentations for credit committees and insightful analytics/tools for the businesses.

Credit Risk Systems and Credit Risk Projects

• Utilization of various credit risk and accounting systems for credit risk management and administration (e.g. SAP S&P CIQ).

• Lead and drive standardization and automation of credit related processes and continual improvements for the Credit Risk function.

• Initiate and participate in credit risks system enhancement and reporting needs (e.g. Credit dashboard Excess reporting).

• Participate or lead in cross functional / BU / PG projects where required.

About you

To be successfully considered for this role you will have:

• Degree in business studies and/or finance accounting. A post graduate degree (MBA CPA CFA or equivalent) and strong quantitative skills would be advantageous.

• Minimum of 10 years of relevant experience (gained as Credit Risk / Financial Analyst) in a financial institution commodity trading or metals & mining environment.

• Working knowledge of trade finance solutions trade credit insurance and parental/corporate guarantees.

• Strong portfolio analytical and financial analysis skills with ability to communicate final credit decisions and recommendations both in writing and verbally.

• Team player mature and able to work independently with minimal supervision and very strong stakeholder management skills.

• Strong PC skills Advanced Excel and working experience with SAP S&P CIQ. Python programming and Power BI skill a plus.

• Working knowledge of Mandarin language will be beneficial.

What we offer

• A work environment where safety is always the number one priority

• A competitive salary package with annual cash incentive awards for eligible employees

• Career development & education assistance to further your ambitions

• Access top tier family-friendly health and medical programs and pension plan

• Wellbeing benefits

• Generous Rio Tinto employee share program

• Employee Assistance Program

• Ongoing individual wellbeing support for you and your family for personal and professional matter

• Leave for all of lifes reasons (vacation/annual paid parental sick leave)

Where you will be working

Our Commercial function at Rio Tinto connects our product groups customers and suppliers from mine to market. We bring together Sales & Marketing and Trading (Sell) Global Procurement (Buy) and Marine & Logistics (Move) to buy sell and move the materials the world needs by partnering across the value chain to optimise outcomes for our customers and the Group. Headquartered in our global Commercial hub in Singapore and with a strong presence in Chicago Frankfurt Antwerp and across Asia in Beijing Shanghai Tokyo and Seoul we work as one team to deliver customer centric value safely and sustainably.

Work at the heart of our global Commercial hub in Singapore partnering crossfunctionally across Buy Sell and Move to shape strategy and deliver minetomarket value around the world.

Application Deadline: 26 March 2025 (Rio Tinto reserves the right to remove job postings prior to the stated closing date)

Please note in order to be successfully considered for this role you must complete all pre-screening questions.

Rio Tinto does not accept unsolicited CVs or candidate profiles from recruiters or employment agencies. Rio Tinto will not consider or agree to payment of any referral compensation or recruiter fee relating to unsolicited CVs or candidate profiles. Rio Tinto reserves the right to hire those candidate(s) without any financial obligation to the recruiter or agency. Any unsolicited CVs or candidate profiles including those submitted to hiring managers are deemed to be the property of Rio Tinto.

About Rio Tinto

Rio Tinto is a leading global mining and materials company. We operate in 35 countries where we produce iron ore copper aluminium critical minerals and other materials needed for the global energy transition and for people communities and nations to thrive.

We have been mining for 150 years and operate with knowledge built up across generations and continents. Our purpose is finding better ways to provide the materials the world needs striving for innovation and continuous improvement to produce materials with low emissions and to the right environmental social and governance standards. But we cant do it on our own so were focused on creating partnerships to solve problems create win-win situations and meet opportunities.

Respect and Inclusion

At Rio Tinto we particularly welcome and encourage applications from Indigenous Peoples women the LGBTQIA community mature workers people with disabilities and people from different cultural backgrounds.

We are committed to an inclusive environment where people feel comfortable to be themselves. We want our people to feel that all voices are heard all cultures respected and that a variety of perspectives are not only welcome they are essential to our success. We treat each other fairly and with dignity regardless of race gender nationality ethnic origin religion age sexual orientation or anything else that makes us different.