Credit Analyst III
Gênica
full-time
Posted on:
Location Type: Hybrid
Location: Piracicaba • Brazil
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Tech Stack
About the role
- Responsible for executing, analyzing, and controlling credit, collections, and accounts receivable activities;
- Perform credit analyses of clients, considering payment capacity, credit history, exposure limits, collateral, and business risks;
- Review and propose credit limits in accordance with internal policy, client profile, and commercial strategy;
- Assess client registration, financial, and asset documentation;
- Monitor the credit portfolio, identifying signs of deterioration and proposing preventive actions;
- Participate in the drafting, review, and maintenance of credit and collections policies;
- Conduct preventive and corrective collections;
- Negotiate terms, rescheduling, settlement agreements, and regularization conditions with clients;
- Ensure proper formalization and monitoring of payment agreements;
- Manage the accounts receivable portfolio, ensuring accuracy of balances and predictability of receipts;
- Propose process improvements to increase efficiency, control, and traceability of the area;
Requirements
- Bachelor’s degree in Business Administration, Accounting, Economics, Finance, or related fields;
- Solid experience in credit, collections, and accounts receivable, preferably in agribusiness, manufacturing, or distribution companies;
- Knowledge of credit risk analysis, credit policy, collections negotiation, and portfolio management;
- Experience with financial statement analysis, customer onboarding/registration, collateral, and agreement formalization;
- Familiarity with TOTVS ERP and financial control tools;
- Intermediate to advanced Excel;
- Experience with management reporting, BI, and financial indicators is desirable;
Benefits
- Willingness to travel
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
credit analysiscollections negotiationportfolio managementfinancial statement analysiscustomer onboardingcollateral managementagreement formalizationprocess improvementmanagement reportingfinancial indicators
Soft Skills
analytical skillsnegotiation skillsattention to detailproblem-solvingcommunication skillsorganizational skillsstrategic thinkingpreventive action planningclient relationship managementefficiency improvement