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.
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