Credit Specialist
Ciudad de Panama, Panamá, Panama
hace 2 días

Job Description

Philips is a global leader in health technology, committed to improving billions of lives worldwide and striving to make the world healthier and more sustainable through innovation.

Driven by the vision of a better tomorrow.

But it’s not just what we do, it’s who we are. We are 80,000, wonderfully unique individuals, with two things in common.

An unwavering sense of purpose and a relentless determination to deliver on our customers’ needs. It’s what inspires us to create meaningful solutions the kind that make a real difference when it matters most.

The world and our customers’ needs are changing faster than ever before and while we are proud of what we do already, we know we can do more.

That’s why we need you, to help us tackle increasingly complex challenges posed by ever-evolving health and well-being needs.

In this role, you have the opportunity to make life better

Manage the credit risk within a diversified portfolio of accounts related to sales on credit to customers.

You are responsible for

  • Evaluating customers’ creditworthiness and setting policy of the decisions / judgment regarding credit offers for the customers.
  • Utilize credit checks system on orders by reviewing contracts and performing timely analysis of new / existing customers’ financial status so to provide accurate interpretation of the credit risk and set credit limit by utilizing the Philips scoring methodology and credit policies
  • Assign credit limits and risk categories according to a defined approval matrix and SAP FSCM including assessment of potential doubtful / bankrupt customers in cooperation with the businesses we support.
  • Prepare documentation for filing of instruments used in securing credit decisions including but not limited to credit insurance, letters of credit, UCC’s, (maintain a local relationship, maximize limit coverage, and manage claims), and maintaining guarantees to mitigate credit risk and support sales.
  • Facilitate releasing of blocked sales orders based on a defined approval matrix with each business.
  • Create and / or review credit reports
  • Responsible for compliance of ICS checks
  • Support and develop accounts receivable lean process improvements, and Master data quality
  • Prepare and Contribute content for credit risk committee meetings
  • Leverage credit risk mitigation tools. Review credit reports.
  • You are a part of

    A team with exciting and innovative environment that will actively encourage you to make improvements, establish best in class service, and have a direct impact on our success.

    We believe that we’re at our best when you’re at yours. And everybody who’s part of our team should be supported to develop to their fullest potential.

    The conditions that allow for that are our unique culture.

    To succeed in this role, you’ll need a customer-first attitude and the following

  • Analytics & Systems / Financial Accounting & Reporting
  • Finance skills, Adaptability / Flexibility (managing various businesses), In depth knowledge of F / S
  • Understanding credit instruments (security)
  • Interpersonal Skills
  • Business Acumen
  • English (Fluent or advanced)
  • Bachelor degree in F&A, Economics, or Business Administration
  • 2+ years of experience in credit risk
  • General understanding of customer and market needs and structure, Customer service focus
  • Good understanding of F&A processes and tools
  • In return, we offer you

    We welcome you to a challenging, innovative environment with great opportunities for you to build a rewarding career path.

    A career with a world-class brand committed to improving people’s lives through innovation.

    Strong leadership and mentorship from a group of professionals

    How we work at Philips

    Our newly-adopted hybrid work concept fuses flexibility with collaboration to deliver great outcomes for our people and our customers.

    We are embracing an approach wherein we spend more time together than apart which for full-time employees translates to an average of at least 3 days working from the office and up to 2 days from home for our hybrid roles.

    Hybrid work flexibility means people can meet the changing demands of work and home in the most balanced, productive, and healthy way.

    Hybrid work flexibility means people can meet the changing demands of work and home in the most balanced, productive, and healthy way.

    Our hybrid working model is defined in 3 ways :

    We believe in the importance of impactful collaboration : There's a certain energy when everyone’s in the same room that can heighten idea generation and creative friction needed for problem-solving.

    We embrace flexibility : Choosing where, when and how to work can vary according to task and team schedules. Flexibility isn’t office or online, it means choosing the space that works best for you, your teams and our customers on a case-by-case basis.

    We want to be at our best : The way we work and our workspaces are designed to support our well-being, offer career advancement opportunities, and enable us to be at our best.

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