Credit Risk Analyst (SSC)
Credit Risk Analyst (SSC)
The Credit Risk Analyst is responsible for managing the optimal risk level of the accounts receivable portfolio by creating, maintaining and communicating clear credit risk policies & procedures throughout the entire organization, having a proper customer acceptance process and establishing an ongoing customer review process supported by relevant periodic reporting on key elements from Credit Risk perspective. The Customer acceptance process is to safeguard the right financial conditions are in place before signing a contract and start delivering products to the customer.
The customer review process is performed by analysing order- & payment behaviour, checking financials & creditworthiness and consultation with commercial managers and collection team to come to the right balance between doing business and limiting the financial risk.
Was wir erwarten
- At least 3-4 years of relevant experience in Accounts Receivable/Credit Risk field at an SSC or a multinational environment
- Proficiency in English language is a must, fluent Spanish or Italian knowledge is an advantage
- University or college degree in Economics or Finance and Accounting
- Excellent communication, interpersonal and analytical skills
- Proactive and outcome-focused attitude, eagerness to learn
- Self-motivation
- Strong stakeholder management and consultancy skills
- Results-oriented and customer-oriented
- Confident Excel user
- Ability to adopt change
Was wir bieten
- A wide range of benefits (cafeteria, home office and sustainable travel allowance, MetLife life- and accident insurance, Medicover package, All You Can Move sport pass, yearly bonus)
- Home office opportunity (3-4 days/week)
- Opportunity to bring in your ideas
- Career development opportunities
- Challenging tasks with real added value
- Cheerful environment with colleagues from different cultures
Stellenbeschreibung
As Credit Risk Analyst you will be responsible for the Credit Risk activities of every operating company within the FSSC. You will perform credit analyses, determine credit limits, and support the order release process in accordance with internal procedures. The activities can be divided into the following topics:
Customer Acceptance:
- Analyse (new) customers regarding risk profiles and determine creditworthiness of new business using internal and external sources.
- (Pro-) Actively advise Opco’s on customer risk assessments and on applicable credit profile (credit limit, payment conditions/ guarantees, etc.).
- Trade contracts: assessment of contracts, advise Sales in negotiations
- Host Credit Committees within the OpCo’s to review and approve the new customer requests.
Customer Review:
- Design and maintain the alert functionality (support by external credit information) on existing accounts to make sure in case of changes in relevant financial indicators an alert is created to take further actions.
- Monitoring, requesting and managing credit information reports, if necessary credit insurance reports.
- Determine risk exposure / credit rating / default score – PD Rating
- Risk modelling => customer segmentation (based on sufficient knowledge of customer)
- (Pro-) Actively advise Opco’s on risk assessments of existing customers and related changes regarding credit profile (credit limit, payment conditions/ guarantees, etc.)
- Host Credit Committees within the OpCo’s to review and approve the relevant changes as an outcome of the continuous review process of existing customers.
Policies & Procedures:
- Design, maintain and execute the Credit Policies applicable within the RFC organization
- Act as the point of contact within the organization regarding questions on the content of policies and procedures related to Credit Risk Management
- Safeguard that all relevant policies & procedures are explained in a clear way to the internal stakeholders. Making sure that future changes are embedded within all relevant processes.
- Perform as the gatekeeper to make sure all OpCo work in line with the policy guidelines.
- Inform, communicate on and resolve Credit Risk matters in consultation and cooperation with the OpCo (Sales, Finance).
Process Improvements & Projects:
- Initiate process improvements to eliminate manual work, reduce risks and increase customer value added activities.
- Develop and implement changes in credit risk process. Participate in projects to improve the OTC processes E2E in terms of technology or quality improvement
- Support the Team manager AR Credit Risk in process optimisation or other initiatives, maintain the Credit Risk database and contribute to the risk modelling framework.
Reporting:
- Responsible for providing relevant reporting on Credit Risk developments within the customer portfolio of the OpCo’s.
- Create and communicate risk reports towards relevant stakeholders. Discuss escalations in case necessary.
- Ensure periodic reports and management information on OPI/KPI’s.
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