Credit risk analyst

The Customer Credit Risk Manager supports customer credit risk assessment, credit-limit management, order-release management and overdue receivables management for Surventis legal entities and businesses in APAC. The role works closely with Sales, Business Units, local finance, the BPO Provider and other relevant stakeholders to manage customer credit exposure, identify risks and coordinate appropriate mitigation and collection actions.

Responsibilities

Perform credit risk assessments for new and existing customers; Conduct new-customer credit reviews and periodic reassessments of existing customer creditworthiness; Prepare annual credit-limit assessments and recommend credit limits and payment terms; Identify material credit risks and align mitigation measures with Sales, local finance and other stakeholders; Document credit assessments in Smart Credit Optimizer; Order and review external credit reports; Escalate complex or material credit risks in accordance with the approval and escalation matrix; Assess requests for temporary credit-limit increases; Review sales orders blocked due to credit conditions and assess order-release requests; Work with the BPO Provider, Business Units, Sales and local finance on long-outstanding or high-risk receivables; Review customer requests for payment extensions and assess the credit impact; Coordinate additional local collection activities where standard dunning has not resulted in payment; Track customer commitments, collection actions and payment plans; Support the assessment of bad-debt exposure; Prepare or contribute to regular credit-risk and overdue-receivables reporting; Maintain audit-ready documentation; Execute controls within the credit-risk-management process; Support internal audit, external audit and compliance-review requests; Identify process or control gaps and support remediation; Identify opportunities to improve credit-risk, order-release and overdue-management processes; Provide guidance and training to Sales and local finance on credit-management policies

Requirements

Bachelor's degree in Finance, Accounting, Economics, Business Administration or a related discipline; Approximately 3-5 years of relevant experience in customer credit risk, credit control, accounts receivable or collection management; Practical experience in customer credit assessment, financial-statement analysis and credit-limit management; Experience reviewing new customers and conducting periodic or annual credit assessments; Experience in order-block review, order-release management and temporary credit-limit requests; Experience managing overdue receivables and coordinating collection activities with Sales, business teams and shared-service organizations; Strong understanding of customer credit-risk-management principles and accounts-receivable processes; Ability to analyze financial statements, payment behavior, external credit reports and other relevant customer information; Practical knowledge of credit limits, payment terms, order blocks, prolongations, dunning and collection processes; Strong Microsoft Excel and data-analysis skills; Strong documentation skills and the ability to maintain clear, complete and audit-ready credit files; Native-level Mandarin Chinese; Fluent business English

Nice to have

A relevant professional qualification in accounting, finance or credit management; Experience working in a multinational company or complex multi-entity environment; Experience working with BPO providers; Manufacturing, industrial or business-to-business sector experience; Experience working with external credit agencies or credit-information providers; Experience with Smart Credit Optimizer or a comparable credit-management platform; SAP experience, including SAP FSCM and SAP S/4HANA; Experience with GetPaid or other collection-management tools; Strong analytical skills and sound commercial judgment; Strong attention to detail and disciplined follow-through

Benefits

Attractive salary; Individual benefits such as performance-related bonuses; Company-funded supplementary health insurance; Accident insurance; Pension related benefits; Local and global development and career opportunities; Regular employee surveys and management feedback culture