Sr Specialist - Credit Risk

3M has a long-standing reputation as a company committed to innovation. We provide the freedom to explore and encourage curiosity and creativity. We gain new insight from diverse thinking, and take risks on new ideas. Here, you can apply your talent in bold ways that matter.

Job Description:

Job Title: Sr Specialist - Sr Specialist – Credit Risk

Collaborate with Innovative 3Mers Around the World

Choosing where to start and grow your career has a major impact on your professional and personal life, so it’s equally important you know that the company that you choose to work at, and its leaders, will support and guide you. With a wide variety of people, global locations, technologies and products, 3M is a place where you can collaborate with other curious, creative 3Mers.

The Impact You’ll Make in this Role

• Supporting global credit risk teams through comprehensive credit data analysis and assisting in the creation of effective portfolio problem‑solving models.
• Communicating insights and recommendations to key stakeholders and business partners, ensuring alignment, clarity, and informed decision‑making across functions.
• Participating in cross‑functional teams to identify opportunities and support initiatives that drive process improvements, centralization, and standardization.
• Assessing AR credit quality by analyzing aging, trends, performance metrics, and risk exposure, and delivering actionable recommendations to business leadership; supporting KPI reporting and management insights.
• Leading initiatives and projects aimed at strengthening credit risk management practices and optimizing working capital performance across the organization.
• Conducting in‑depth analysis of complex credit risk datasets to generate insights, produce reports, and support strategic, data‑driven decision making.
• Developing automated and insight‑oriented dashboards and reporting tools using Power BI, or similar platforms to enhance accuracy, visibility, and operational efficiency.
• Implementing robust data integrity and quality assurance checks to ensure the reliability, consistency, and standardization of reporting outputs.

Your Skills and Expertise 

To set you up for success in this role from day one, 3M requires (at a minimum) the following qualifications:

• Bachelor’s degree or higher (completed and verified prior to start) in data analytics, statistics, economics, finance, or a related field
• Six(6) or more years of experience in data analytics, reporting, or similar roles working with large and complex datasets in an organization
• Experience in Credit, Collections or Order to Cash
• Experience using SAP

Additional qualifications that could help you succeed even further in this role include:

• Master’s degree in data analytics, statistics, economics, finance, or a related discipline from an accredited institution
• Experience analyzing large datasets using mathematical, statistical, and quantitative techniques, including data mining and complex analysis
• Expertise in Power BI or similar visualization platforms, and experience with ETL/automation tools

Work Location: Hebbal, Bangalore (Karnataka)

Mode of Working: Hybrid (2-3 days in a week)

Supporting Your Well-being

3M offers many programs to help you live your best life – both physically and financially. To ensure competitive pay and benefits, 3M regularly benchmarks with other companies that are comparable in size and scope.

Learn more about 3M’s creative solutions to the world’s problems at www.3M.com or on Instagram, Facebook, and LinkedIn @3M.Safety is a core value at 3M. All employees are expected to contribute to a strong Environmental Health and Safety (EHS) culture by following safety policies, identifying hazards, and engaging in continuous improvement.

Please note: your application may not be considered if you do not provide your education and work history, either by: 1) uploading a resume, or 2) entering the information into the application fields directly.

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