- Financial Analysis
- Conducting a thorough analysis of the financial statements of companies to evaluate their financial health which includes examining income statements, balance sheets, cash flow statements, and other relevant financial data.
- Recognize potential problematic situations and escalate them to the Team Lead.
- Credit Risk Management
- Collect relevant information about customers, business climate, sector development from public and other sources.
- Perform manual credit assessments or review & revise the system-generated credit proposals, if needed.
- Collect requests coming from the business and evaluate the need to modify the credit limits previously assigned.
- Create credit limit applications, take credit decisions, and approve credit limits in the system.
- Proposal for write-off/ bad debts provision
- Preparation of payment term applications
- Support business during negotiation on specific payment terms requests from customers and check financial clauses / invoicing requirements.
- Shipment release/monitoring in the ERP against credit limit block
- Periodic Review and Monitoring
- Evaluate and analyze changing market conditions that may impact the creditworthiness of specific customers or industries.
- Foresee potential changes of or impact on credit limits due to economic fluctuation within a country and propose suitable strategies to mitigate risks for the company.
- Consider other changing conditions that may influence credit risk.
- KPI reporting and monitoring
- Compliance and Regulatory adherence
- Ensuring compliance with regulatory requirements and internal control procedures.
- More than 2 years of working experience in a Credit Management function, preferably in an international environment
- Bachelor's degree in finance, business administration, accounting or similar
- Excellent English skills in spoken and written form
- Knowledge of Dun & Bradstreet (D&B) methodology and SAP FSCM is beneficial
- Strong capability to analyze financial data and interpret financial statements, knowledge of credit risk, balance sheet analysis, financial exposure, credit research systems and procedures, credit scoring systems, and Microsoft Office Suite.
- Proven analytical skills and solutions-oriented approach.
- Conclusive and economical thinking.
- Self-running and ability to work in a team environment.
- String IT Skills (e.g. PowerBI, RPA platforms, SAP FSCM) and the drive to digitalize or automate processes
- Ability to analyze and evaluate financial documents and data.
- Effective verbal and written communication skills to present evidence from credit analysis and interact with relevant stakeholders.
Beneficios:
Professional Development
We're strong believers in continual training and development for our people. After all, your success is our success.
Work-life Balance
Our vacation and leave policies reflect our belief in proper work-life balance.
Mobile/Communication Allowance
We offer a monthly allowance for business-related communication needs through reimbursement.
Medicine Reimbursement
We offer an annual reimbursement for medicine and optical needs.
Transportation Allowance
We offer monthly transportation cash assistance.
Uniform & Clothing Allowance
We offer a non-taxable monthly cash assistance for the employee's basic needs such as clothing.
Laundry Allowance
We offer a non-taxable monthly laundry cash assistance.
Rice Allowance
We offer monthly rice allowance
Vacation Leave
We offer paid Vacation Leave
Sick Leave
We offer paid Sick Leave
Emergency Leave
We offer paid Emergency Leave of 3 days based on acceptable exigencies.
Birthday Leave
We offer paid Birthday Leave to be availed on the employees'birth month.
Bereavement Leave
We offer paid Bereavement Leave of 3 days for the death an immediate family member.
Birthday Gift
We offer Birthday Gift for employees to be given during their birth month.
Christmas Gift Certificate
We offer Gift check to be given every December.
Maternity Benefit for Female Employees
We offer reimbursement of hospital bills with maximum amount of Php20,000 for normal delivery and Php30,000 for miscarriage and legal abortion provided that medical procedures are performed.