Credit and Collections Analyst

Location: Bengaluru, Karnataka, India

Department: Your Privacy

About the Role

At HP Inc., the Credit and Collections Analyst plays a pivotal role in our Finance organization, ensuring financial stability while supporting our innovative technology solutions that power businesses worldwide. Based in Bengaluru, Karnataka, India, this position involves evaluating customer credit limits and risk ratings using advanced credit scores, analyzing high-risk accounts to prevent delinquencies, and maintaining a comprehensive Access database for collections activities. You will review daily audit reports, resolve discrepancies, negotiate payments with customers and sales teams, and drive timely collections—all while embodying HP's customer-centric culture to foster long-term partnerships in the dynamic tech industry. In this flex workstyle role, you will support dispute resolution, develop data-driven reports and recommendations, and contribute to a knowledge-sharing environment that fuels HP's culture of innovation. Working independently on moderate challenges, you will apply expertise in credit risk management and financial analysis to resolve issues efficiently, always in compliance with HP policies. Your efforts directly impact our immediate team, providing critical analysis that supports HP's global operations across 170+ countries, where cutting-edge hardware and services redefine how the world works. Join HP to advance your career in a collaborative, inclusive environment that values every voice and drives professional growth through legendary innovation. With opportunities for global mobility and access to pioneering technology, you'll help safeguard our financial health while enabling customers to thrive with HP's transformative solutions. If you have 5-10 years in credit and collections within tech or finance, plus a passion for data and risk strategies, this is your chance to innovate from the finance frontlines.

Key Responsibilities

• Evaluate and recommend customer credit limits and risk ratings based on credit scores
• Analyze high-risk customers and develop proactive strategies to prevent delinquencies
• Create and maintain Access database for deficiency accounts and collection activities
• Review daily internal audit reports to ensure accurate payment allocation and resolve discrepancies
• Negotiate initial payments with customers and sales teams to enable purchases beyond credit limits
• Support dispute resolution processes with internal teams and customers
• Ensure timely collections by resolving payment issues and disputes
• Develop research-driven conclusions, recommendations, and reports
• Contribute to knowledge management by sharing insights and fostering team collaboration
• Apply professional expertise and judgment while adhering to HP policies and procedures

Required Qualifications

• Four-year or Graduate Degree in Business Administration, Economics, Finance, or related discipline
• Typically 5-10 years of work experience in collections, credit, banking, or related field
• Demonstrated competence in credit analysis and risk management
• Experience with data analysis and database management (e.g., Access)
• Proficiency in financial analysis and auditing
• Ability to work independently on moderate scope problems
• Strong understanding of company policies and compliance procedures

Preferred Qualifications

• Certified Accounts Payable Professional (CAPP)
• Certified Professional in Credit and Collections (CPCC)
• Advanced degree in Finance or related field
• Experience in technology or hardware industry finance
• SQL programming knowledge
• Prior work in multinational corporate environments

Required Skills

• Accounting
• Auditing
• Credit Analysis
• Credit Risk Management
• Data Analysis
• Financial Analysis
• Risk Management
• SQL Programming
• Due Diligence
• Financial Statements
• Effective Communication
• Results Orientation
• Customer Centricity
• Learning Agility
• Digital Fluency
• Portfolio Management
• Underwriting
• Economics

Benefits

• Competitive salary and performance-based incentives
• Comprehensive health, dental, and vision insurance
• Retirement savings plan with company matching
• Flexible workstyle with hybrid options in Bengaluru
• Professional development programs and tuition reimbursement
• Employee stock purchase plan
• Generous paid time off and wellness programs
• Access to HP innovation labs and global career mobility
• Inclusive culture with diversity and inclusion initiatives

HP Inc. is an equal opportunity employer.