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- Aufgaben: Manage credit limits, overdue payments, and risk assessments while collaborating with sales and other departments.
- Arbeitgeber: Join a growing medium-sized company with an international focus and a dynamic work environment.
- Mitarbeitervorteile: Enjoy remote work options, free sports activities, employee discounts, and 30 days of vacation.
- Warum dieser Job: Be part of a culture that values innovation, teamwork, and personal development in a supportive atmosphere.
- Gewünschte Qualifikationen: A degree in finance or related field, experience in Credit Risk Management, and strong analytical skills required.
- Andere Informationen: Fluency in German and English is essential; additional languages are a plus.
Das voraussichtliche Gehalt liegt zwischen 42000 - 84000 € pro Jahr.
Your mission
- Trade Credit Insurance : Application for credit limits and reporting to trade credit insurers, ensuring compliance with contractual obligations.
- Receivables Management : Collaboration with lawyers/collection agencies and escalation of overdue payments (monitoring open orders, blocking customers, sending reminders).
- Proactive Solution Finding : Developing innovative approaches with customers and sales to quickly settle outstanding receivables.
- Risk Management : Risk assessment and decision-making, evaluation of annual financial statements of our international business partners, guarantee management.
- Management Reporting : Reporting of overdue accounts and risks to senior management.
- Strategic Process Optimization : Further development of processes and policies in credit and risk management.
- Collaboration/Project Work : Close coordination with sales and other departments to maximize business opportunities and participation in projects to improve internal business processes.
Your profile
- Completed degree with a focus on finance or a comparable qualification, along with relevant further education (e.g., Controller, Accountant) and additional training in credit or analysis (e.g., CFA, CCrA, CIIA) is desirable.
- Professional experience in Credit Risk Management, ideally in an internationally active medium-sized industrial or trading company.
- Communicative personality, capable of acting as a sparring partner for international sales, identifying opportunities to enable more business and reduce risks.
- Knowledge of national and international accounting standards and financial statement analysis.
- Familiarity with ERP software (ideally SAGE 100) and strong Excel skills.
- Fluent in German and English, both written and spoken; additional language skills (e.g., Spanish) are an advantage.
- Quick to grasp new concepts, with strong analytical thinking and a structured, precise working style.
- Experienced in working in a multicultural environment.
Why us?
- Free sports activities, including a first-class in-house gym and Pilates courses.
- Job bike also available for private use.
- Remote working options, employee discounts, laptop, and company phone.
- An open \“first-name culture\“ and short decision-making processes.
- Regular employee events and activities.
- Comprehensive onboarding and professional as well as personal development opportunities.
- Varied tasks and room for your own ideas.
- 30 days of annual vacation.
- Modern downtown office with company parking spaces.
- Permanent employment in a growing medium-sized company with an international focus.
- A dynamic environment characterized by collegial solidarity.
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Credit Risk Expert (m/w/d) Arbeitgeber: Europcell
Kontaktperson:
Europcell HR Team
StudySmarter Bewerbungstipps 🤫
So bekommst du den Job: Credit Risk Expert (m/w/d)
✨Tip Number 1
Familiarize yourself with the specific requirements of credit risk management in an international context. Understanding the nuances of different accounting standards and financial statement analysis will give you a competitive edge during discussions.
✨Tip Number 2
Network with professionals in the field of credit risk management, especially those who have experience in medium-sized industrial or trading companies. Engaging with them can provide insights into the role and may even lead to referrals.
✨Tip Number 3
Brush up on your Excel skills and familiarize yourself with ERP software like SAGE 100. Being proficient in these tools will not only help you in the application process but also demonstrate your readiness for the role.
✨Tip Number 4
Prepare to showcase your ability to work in a multicultural environment. Highlight any previous experiences where you successfully collaborated with international teams, as this is crucial for the position.
Diese Fähigkeiten machen dich zur top Bewerber*in für die Stelle: Credit Risk Expert (m/w/d)
Tipps für deine Bewerbung 🫡
Understand the Role: Make sure to thoroughly read the job description for the Credit Risk Expert position. Understand the key responsibilities such as trade credit insurance, receivables management, and risk assessment to tailor your application accordingly.
Highlight Relevant Experience: In your CV and cover letter, emphasize your professional experience in Credit Risk Management, especially in an international context. Mention any specific projects or achievements that demonstrate your ability to manage risks and optimize processes.
Showcase Your Skills: Clearly outline your skills in financial analysis, knowledge of accounting standards, and proficiency in ERP software like SAGE 100. Don't forget to mention your strong Excel skills and any additional language proficiencies that could set you apart.
Personalize Your Application: Craft a personalized cover letter that reflects your communicative personality and ability to collaborate with sales teams. Use examples to illustrate how you've identified opportunities in past roles to enhance business while managing risks.
Wie du dich auf ein Vorstellungsgespräch bei Europcell vorbereitest
✨Showcase Your Financial Acumen
Be prepared to discuss your educational background and any relevant qualifications, such as CFA or CCrA. Highlight your experience in credit risk management and your ability to analyze financial statements, as this is crucial for the role.
✨Demonstrate Communication Skills
Since the role requires collaboration with various departments and international sales, practice articulating your thoughts clearly. Share examples of how you've effectively communicated complex financial concepts to non-financial stakeholders.
✨Prepare for Scenario-Based Questions
Expect questions that assess your problem-solving skills in real-world scenarios. Think of instances where you had to develop innovative solutions for overdue payments or risk assessments, and be ready to explain your thought process.
✨Familiarize Yourself with ERP Software
If you have experience with SAGE 100 or similar ERP systems, be sure to mention it. If not, do some research on how these systems work and be ready to discuss how you can quickly adapt to new software tools.
