Role Purpose
To ensure that credit risk exposure on the entire AR ledgers is proactively analyzed and that adequate recommendations and, follow up actions are taken to constructively limit/mitigate the credit risk exposure, while maintaining compliance with order to cash policies and other collection strategies.
Job Descriptions
Customer - Business Roles
- To perform credit analysis, financial statement and credit bureau data reviews when onboarding new customers and, recommend trading terms and conditions in line with credit policies and guidelines
- To perform analysis on outstanding AR ledgers and periodic portfolio reviews, determine potential risk customers and coordinate mitigation measures
- To track highrisk customers, overdue trends, and sudden changes in payment behavior and abnormal transaction.
- Leverage realtime market trend insights, industry developments, macroeconomic indicators, and external risk sources to detect early creditrisk signals and support proactive decisionmaking.
- To perform in depth analysis on legal entity level in order to assess the potential risk customers and provide reporting and action plan towards collections, sales, CFO and OTC community at country, regional and possibly global level.
- To ensure adequate follow up and escalations upon identified risks and gaps
- Perform SAP AR master data maintenance tasks to maintain accurate and uptodate customer information (Credit limit, Accounting clerk code, customer sensitive information, etc.) with four eye principal.
- To arrange, coordinate and lead regular meetings, visit customer and build towards an improved customer satisfaction while mitigating trading risks
Stakeholder - Business Roles External & Internal
- To agree and coordinate credit risk mitigation measures with Sales, CDM, credit collection, credit administration, operation, H&G, CFO and OTC teams
- To advice and coordinate process improvement regarding to credit risk mitigations across the entire OTC chains
Process
- Monitor Dunning execution and Dunning block
- Credit Hold / Credit stop tool
- Credit checks
- Credit risk monitoring
- Credit risk mitigation
- AR Master Data Set Up & Maintenance
Skills & Qualifications
- Good telephone conversation/handling skills
- Effective communication and conversational skills
- High customer focus and service orientation
- Advanced MS office knowledge
- Intermediate Presentation skills
- Analysis of financial statements
- 3 years and more previous Credit Risk Management experience is preferred
- Sensitive to cultural specifics
- Local language(s) / Multi lingual (in Shared Service environment)
- Bachelor degree in related field
- Intermediate level of English knowledge (DPDHL Business Language) preferred
- Advanced knowledge of D&B credit risk reports and regarding balance sheet interpretation
