Credit Analyst managing credit approvals and collections in pharmaceutical industry. Working with financial analysis to optimize cash flow and reduce risks.
Responsibilities
Perform credit analysis and approval, define credit limits/terms, and manage the customer portfolio to reduce delinquency, optimize cash flow, and support strategic decisions based on financial and risk analyses.
Ensure execution of the Credit Policy and carry out periodic and annual reviews for granting credit limits to active and new customers.
Prepare and monitor collections KPIs - DSO.
Authorize invoicing in accordance with the current Credit Policy and Commercial Policy for the period.
Maintain, monitor, and revise the Credit and Collections policy, developing new strategies and standards to ensure effective recovery of delinquent accounts and protection of company cash.
Perform collection and negotiation with delinquent customers (review of settlements, calculation of interest).
Reconcile the receivables portfolio for monthly closing.
Maintain the receivables ledger: granting credit/processing returns and write-offs.
Send bank remittances.
Requirements
Bachelor's degree in Business Administration, Economics, or related fields.
Proficient with Microsoft Office, especially Excel at an intermediate level.
Proven experience in credit and collections processes, preferably in industrial/manufacturing environments.
Experience in the pharmaceutical sector is a plus.
Solid knowledge of SAP ERP — financial and credit & collections modules.
Desirable attributes: proactivity, team spirit, results orientation, customer focus, ability to apply and share knowledge, drive for change, discipline, problem-solving skills, analytical ability, and organizational skills.
Benefits
Meal allowance
Medical and dental plans
Profit-sharing (PLR)
Hybrid work policy 4x1 (4 days on-site, 1 day remote)
Medication reimbursement policy
Childcare assistance
Life insurance
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