Credit Analyst III

Gênica

Senior Credit Analyst executing credit, collection, and accounts receivable activities in the agribusiness sector, ensuring financial health and managing risks.

Posted 4/11/2026full-timePiracicaba • 🇧🇷 BrazilMid-LevelSeniorWebsite

Tech Stack

Tools & technologies

ERP

About the role

Key responsibilities & impact

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

What you’ll need

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

Comp & perks

Willingness to travel

ATS Keywords

✓ Tailor your resume

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