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This position reports to

SAP4/HANA Key User - Accounts Receivable

Your role and responsibilities

As Senior Credit Specialist you will be responsible for the efficient and effective operational management of credit risk according to global policy and direction from Global Credit Risk Management. Providing an authorized approval for the release of credit blocked orders and taking credit decisions is expected. Active support the Cluster Credit Manager, Capability Lead, Business and Sales.

You will be mainly accountable for:

• Presenting high seniority in Credit Risk Management process, understanding the differences of the country specifics across the organization • Managing complex customers’ portfolio
• Regular liaising on difficult matters and escalations with Internal and External Stakeholders (Front Office/Business/3rd Party Customers located globally)
• Assisting and giving professional advice in all credit-related matters to Capability Lead and Cluster Credit Manager
• Analyzing the creditworthiness of both new (credit assessments) and existing (credit reassessments) customers from quantitative and qualitative point of view and making detailed recommendations on their credit rating and credit limits
• Conducting annual/monthly credit limit review of customers for countries in scope
• Sharing knowledge and expertise on risk exposure and credit risk mitigation practices within credit area and other functions across ABB organization
• Close cooperation with CFIN SAP4HANA Specialist to implement new credit tools, systems, etc.

Qualifications for the role

• You have 4-5 years of experience in credit analysis or credit control, acting as Credit Specialist/Senior Credit Specialist or similar role in a global organization
• Master’s degree in Finance, Banking, Accounting or Financial Audit
• Ability of analyzing financial reports: P&L, Balance Sheet, Cash Flow statement and credit bureau reports
• Ability to cooperate in a dynamic and learning environment, to develop good relationship with Business and other supporting teams and be able to present key credit risks in complicated deal structures, to make sure that credit risk is addressed and Accounts Receivables collection is secured
• You have experience of governing credit risk in an evolving environment
• You are at ease communicating in English (good knowledge of other European language would be an asset)
• You have knowledge of SAP4HANA as well as a professional credit risk certification will be an asset