Credit Management Expert

hace 3 semanas

San José, San José, Costa Rica Smith+Nephew A tiempo completo
Job Title: Credit Management Expert

At Smith+Nephew, we are seeking a highly skilled Credit Management Expert to join our team. As a key member of our Credit Department, you will be responsible for assessing customers' creditworthiness, creating credit-scoring models, and predicting risks.

Key Responsibilities:
  • Assess customers' creditworthiness and create credit-scoring models to predict risks.
  • Approve or reject credit line requests based on credibility, account analysis, and potential revenues and losses.
  • Set credit limits for new customers and existing ones, analyzing credit terms and ensuring alignment with SAP and contracts.
  • Use external credit investigation providers to assess portfolio risk and escalate risk customers with Credit Managers' support.
  • Support all departments in adherence to the corporate credit policy and make recommendations to upper management to escalate accounts to third-party collections, legal, or Credit hold review.
  • Remove bottlenecks in technical revenue recognition issues (SAP VFX3) by working with business and IT.
  • Perform credit worthiness assessments for Rental Deals and other types of contracts.
  • Develop monthly and weekly reports for the Credit department and provide visibility on hold reason accounts and next steps.
  • Carry out Bad Debt/Credit Note Provision calculations and accuracy/completeness reviews.
  • Maintain correct customer corporate hierarchy through the use of external customer-matching databases to ensure correct corporate exposure/risk is reflected in the master data.
  • Manage relevant OTC controls and work with internal and external audits.
  • Backup for Credit Manager and conduct an annual review of key customer groups to reapprove their credit limits in line with S&N's authority matrix.
Requirements:
  • Bachelor's Degree in Accounting, Finance, or Business Administration.
  • MS Office, Power BI, Cloud Database (Excel - Advanced level).
  • GetPaid/SAP.
  • English Level B2+ (minimum required).
  • More than 3 years' experience in Credit Management and/or Dispute Management, handling portfolios.
  • Financial knowledge, ability to interpret financial statements and key financial ratios to assess credit worthiness.
  • Data mining experience a plus.
  • Healthcare devices business sector experience a plus.
  • Accounts Receivables/OTC knowledge.
  • Time Management.
Competencies:
  • Analytical/Technical Expertise - knows the business and provides insight and direction into complex areas through technical database/data management expertise, analytics, and visual depiction.
  • Results-Oriented - Delivers on commitments and demonstrates impactful results.
  • Communication & Influencing - Clearly conveys complex information (both oral and written) and actively engages all stakeholders towards understanding of the issues, consensus, solution, and action.
  • Teamwork - Promotes collaborative relationships across differing levels of management functions, divisions, and locations.
  • Agent of change. Shows high sense of Adaptability to change.
What will you be doing?
  • Perform commercial credit analysis on potential customers using external and internal risk reporting tools, bank and trade references, and financial statements for new customer setups.
  • Set up credit line recommendations through analysis of sales forecasts and pending orders for open and current customers.
  • Verify internal sales and payment history on existing accounts to recommend credit line increases.
  • Review any pending orders on credit hold or under Credit review due to credit limits being exceeded, assess invoice delinquency, and propose credit decisions on order shipments.
  • Support OTC activities as needed, as well as serve as a backup for Credit Managers.
  • Analyze, document, and study in-depth key accounts at corporate level of exposure during Annual Credit limit review.
  • Master data change request: receive and approve changes for new or existing customers.
  • Process and submit the annual credit review.
  • Backup for Credit Managers/support during leave of absence - order release and pending queries.
  • VFX3 Report provide support and solve problems in order to release documents to accounting.
  • Credit References: Provide companies' internal credit references for specific customers.
  • Fulfill creditworthiness requests for different departments (A/R, Commercial teams, Credit Management).
  • Meetings: Interact with different departments and/or upper management personnel to propose/review plans and strategies (or meeting according to business needs).
  • Perform administrative duties and reporting data.
What will you need to be successful?
  • Education: Bachelor's Degree in Accounting, Finance, or Business Administration.
  • Experience: More than 3 years' experience in Credit Management and/or Dispute Management, handling portfolios.
  • Financial knowledge, ability to interpret financial statements and key financial ratios to assess credit worthiness.
  • Data mining experience a plus.
  • Healthcare devices business sector experience a plus.
  • Accounts Receivables/OTC knowledge.
  • Time Management.
Competencies:
  • Analytical/Technical Expertise - knows the business and provides insight and direction into complex areas through technical database/data management expertise, analytics, and visual depiction.
  • Results-Oriented - Delivers on commitments and demonstrates impactful results.
  • Communication & Influencing - Clearly conveys complex information (both oral and written) and actively engages all stakeholders towards understanding of the issues, consensus, solution, and action.
  • Teamwork - Promotes collaborative relationships across differing levels of management functions, divisions, and locations.
  • Agent of change. Shows high sense of Adaptability to change.
You. Unlimited

We believe in creating the greatest good for society. Our strongest investments are in our people and the patients we serve.

Inclusion, Diversity and Equity - Committed to Welcoming, Celebrating and Thriving on Diversity, Learn more about on our website.

Other reasons why you will love it here

  • Your future: stock purchase program, referral bonus, subsidy in transport and food, recognition program.
  • Work/Life Balance: Extra days off, birthday off, voluntary hours.
  • Your Wellbeing: company doctor, medical insurance, gym, health campaigns, employee assistance program, parental leave,
  • Flexibility: Hybrid work model (for more professional roles), flexible schedules.
  • Training: Training program, unlimited learning.
  • Extra perks: employees association, and more...

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