We are looking for a dynamic and analytical professional to strengthen our Credit Control team.
This role combines financial analysis, credit risk assessment, and continuous process improvement, contributing directly to sound decision-making, operational efficiency, and stronger internal controls.
You will interact with multiple stakeholders (Finance, Operations, IT, Sales, and Insurers), playing a key role in safeguarding financial performance while driving smarter and more efficient processes.
Main Responsibilities
Credit Risk Analysis
* Conduct detailed financial analysis, including balance sheet, P&L, and cash flow assessments.
* Monitor credit exposure and overall portfolio performance.
* Support the definition and review of credit risk policies and limit frameworks.
* Manage credit insurance policies, including limit requests, claims, and renewals.
* Act as a key contact for insurers, supporting negotiations and ensuring coverage adequacy.
Process Management & Continuous Improvement
* Lead continuous improvement initiatives to streamline workflows and eliminate bottlenecks.
* Develop and implement automation solutions (e.g., Excel macros, dashboards, Power BI, ERP enhancements).
* Automate reports, analyses, and operational routines to support faster, data‑driven decision‑making.
* Drive digitalization and/or robotization initiatives in collaboration with IT and RPA teams.
Profile
* Bachelor's or master's degree in Finance, Accounting, Economics, Management, Engineering, or a related field.
* 3–5 years of experience in credit risk analysis, financial analysis, credit insurance, financial services, or operations analysis, process improvement, or data science.
* Knowledge of credit scoring models and risk assessment tools.
* Ability to negotiate with insurers and collaborate effectively with internal stakeholders.
* Familiarity with ERP systems such as SAP S/4HANA (mandatory) and credit management software (plus).
* Proficiency in Microsoft Office (Excel, PowerPoint); experience with dashboards or automation tools is a strong plus.
* Fluent in Portuguese and English (mandatory); German (preferred / strong plus)
* Proactive mindset with a strong interest in automation, digitalization, and new technologies.
* Strong problem‑solving attitude, accuracy, and attention to detail.
* Ability to work effectively under pressure, take ownership, move quickly, and promote continuous improvement.