Hybrid Credit and Collections Specialist

Posted 5 hours ago

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About the role

  • Financial specialist ensuring company liquidity through advanced credit and collections analysis. Engaging with business areas to mitigate risks and align practices with corporate guidelines.

Responsibilities

  • Conduct comprehensive and high-complexity credit analyses for clients, within delegated limits, interpreting financial statements, capital structure, payment history and sector risks, ensuring decisions adhere to internal policies.
  • Define, review and propose credit limits using risk models.
  • Participate in drafting, validating and monitoring formal credit recovery instruments, such as acknowledgments of debt, ensuring legal and financial compliance.
  • Structure payment agreements, renegotiations and installment plans, supporting critical negotiations and proposing strategies to improve cash flow.
  • Prepare, validate and refine the bases and criteria used to calculate the PECLD (Provision for Doubtful Accounts), contributing to predictive analyses and accounting accuracy.
  • Work with Legal on judicial collection proceedings, asset recovery and assessment of legal risks, providing technical analyses and strategic support.
  • Monitor and deepen analysis of key indicators (delinquency, aging, provisions, credit recovery, among others), preparing management reports.
  • Provide specialized support for internal and external audits, ensuring consistency of financial information, traceability and robustness of controls.

Requirements

  • Bachelor's degree in Business Administration, Economics, Accounting, Finance or related fields.
  • Minimum of 5 years' experience, with a background in credit and collections management.
  • Proficiency in interpreting balance sheets, income statements (DRE) and financial statements.
  • Knowledge of financial instruments, credit limits, guarantees and risk scoring.
  • Experience supporting internal and external audits.
  • Knowledge of Power BI.
  • Advanced level in Microsoft Office (Excel and PowerPoint).
  • Knowledge of SAP FI.
  • Experience preparing management reports.

Benefits

  • Work schedule: Hybrid (3 days per week on-site in Joinville, SC).
  • Flexible working hours.
  • Meal voucher.
  • Year-end gift.
  • Health insurance.
  • Dental plan.
  • Life insurance.
  • Private pension plan.
  • Wellhub (formerly Gympass).
  • Birthday day off.
  • Family-friendly company: extended maternity and paternity leave.
  • Discount on our products.
  • Annual bonus (profit-sharing).
  • Up to 50% discounts on medications.
  • Health programs.

Job title

Credit and Collections Specialist

Job type

Experience level

Mid levelSenior

Salary

Not specified

Degree requirement

Bachelor's Degree

Location requirements

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