Credit Risk Team Leader (M/F)

Tasks and responsibilities:

• Customer credit risk assessment based on key metrics, sales team feedback, agency reports, market information and financial data.
• Manages the relationship with credit insurance companies for the approval and maximization of customer’s credit coverage.
• Discusses and asks for guidance and support from Kp group insurance broker, on all topics related to credit insurance and factoring
• Manages the relationship between credit insurance and the factoring program ensuring that all communications are working.
• Maximizes the funding potential through factoring by securing credit coverage from insurers. - Assigns risk categories and sets credit limit according to the threshold defined for the position.
• Obtains approval for the assignment of internal credit limits above his/her threshold, according to the defined approval matrix.
• Permanent collaboration with sales and customers to understand potential underlying risks and escalates to manager if necessary.
• Meet with customers whenever necessary to improve relationship from a finance perspective.
• Review and update the credit risk policy in alignment with the Group and AR manager.
• Ensure compliance with all policies in place for AR, processes, and service level agreement.
• Support cash collection team in credit risk matters.
• Manages the monthly bad debt provision process.
• Participates and discusses with legal teams (external and/or internal), all legal cases to minimize bad debt write-off.
• Negotiation and approval of payment plans with customers, involving AR
• Training the team in credit risk processes and credit insurance policies.

Profile:
Bachelor or master’s degree in accounting or Finance or similar field.

• Professional working proficiency in English.
• Strong Leadership, Teamwork and People Management skills.
• Excellent knowledge of MS Office.
• Project planning and project management skills
• 5+ years of professional experience in accounts receivable.
• 3+ years of leading teams experience.
• Experience in factoring and credit insurance.
• Experience within a Shared Service Centre environment and transition

**Localização: Distrito: Porto, Concelho: Porto