Credit Risk Management Analyst

Credit Risk Management Analyst

• Location: Bogota - Colombia

About the job

Sanofi Business Services (SBS), one of the 5 pillars of Sanofi’s Business Services organization, is setting up a new captive Business Services centre in Bogota to provide Account-to-Report, integrated Order-to-Cash as well as HR services.

With respect to integrated Order-to-Cash (iO2C) the Business Services centre will be covering the following areas of the process:

• Customer Master Data, Pricing & Commercial conditions
• Order Management
• Credit Management
• Collections & Account Receivables management
• Cash Application
• Claims & Disputes Management
• AR Monthly closing and Reporting

The purpose of this role is to:

• Deliver credit risk management services to SBS North America and other relevant geographies as per their respective Service Level Agreements (SLAs)

• Assess new customer credit risk
• Assess customer portfolio risk
• Review customer credit data
• Check credit availability and manage blocked sales orders
• Contribute to periodic reviews and updates to credit policy and guidelines and credit management operational framework
• Address operational issues and follow through to resolution in an effective and timely manner

• Deliver operational KPIs and comply with Sanofi policies and guidelines
• Participate in continuous improvement initiatives
• The Analyst, Credit Management reports to Credit risk Management Coordinator and works closely with Customer Service, Finance, Treasury, Account to Report, Trade or Global Business Unit and Ci2C front line teams in countries / regions.

Key Accountabilities

Operation

• Deliver credit management services to SBS North America and other relevant geographies for Sanofi entities within SBS perimeter as per their respective Service Level Agreements
  • collect new customer’s data for credit assessment, run risk & scoring tool and assign / update credit data
  • collect existing customer internal and external data, run risk & scoring tool, analyse and fine-tune the outcome and update credit data annually on an adhoc basis
  • check credit availability, manage blocked sales, document the case
• Contribute to business reviews and to updates to credit policy definition
• Execute in compliance with Sanofi policies and guidelines  
• Complete all activities as per the global Core Model and operational KPIs
• Develop expert level knowledge of the activities in scope as well as local knowledge of entities in scope and become a super-user
• Pro-actively anticipate operational issues and coach junior analysts
• Build, document and transfer EE Core Model process knowledge (Level 6/7) relating to credit management

Continous improvement

• Identify process improvement opportunities through elimination of redundant activities
• Participate in process automation initiatives and ensure seamless adoption and transition

About you

Functional

• Broad understanding of end-to-end customer invoice-to-cash process and activities (essential)
• Hands-on knowledge in Credit Management process and activities (essential)
• Understand and evaluate financial statements, perform detailed financial analyses and determine credit risk of customers (essential)
• Experience in working within a Business Services organization (advantageous)
• Good business acumen (advantageous)
• Strong problem solving, deductive and analytical skills (advantageous)

Technical

• Hands-on experience of SAP FI (essential) and other accounts receivable related IT tools (advantageous)
• Knowledge of Microsoft Office and expertise of MS Excel (essential)

Interpersonal

• Ability to interact with internal and external clients in a professional manner (essential)
• Team player, able to work collaboratively transversally and with Ci2C front line teams with an end to end mindset (essential)
• Good communication skills (advantageous)
• Attentive to customer needs and feedback (advantageous)

Leadership

• Ability to organize, prioritize and structure the tasks for oneself and direct reports (essential)
• Attentive to detail and works with precision (advantageous)
• Action oriented, delivery driven, change agent (advantageous)
• Role model / coach to junior analysts (advantageous)

Background and Experience

• Graduate degree in accounting or finance
• 2-3 years experience in Credit Management preferably in an international multicultural environment
• Advance in English; knowledge of other European languages is desirable

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At Sanofi, we provide equal opportunities to all regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, or gender identity.

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