CREDIT AND COLLECTIONS ANALYST

• Evaluate and monitor client creditworthiness by analyzing financial statements, including Balance Sheet, Income Statement (P&L), Cash Flow, and credit history.
• Perform financial analysis using key indicators (liquidity, leverage, profitability) to define credit limits and support decision-making.
• Analyze economic scenarios, market trends, and cash flow projections to assess potential risks and business opportunities.
• Manage credit risk by calculating default probability, issuing credit recommendations, classifying portfolios, and monitoring asset quality.
• Review and approve credit applications, ensuring compliance with internal policies and regulatory requirements.
• Monitor overdue accounts, follow up on payments, and actively manage collections processes, including negotiations and recovery strategies.
• Support contract adjustments and propose guarantees to mitigate financial risks.
• Prepare and maintain financial and operational reports, including KPIs such as DSO, aging, overdue balances, and provisions.
• Support audits, due diligence processes, and documentation requests related to credit and collections activities.
• Collaborate cross-functionally with Sales, Legal, and Finance teams to align credit terms, resolve disputes, and improve risk management practices.
• Perform operational activities such as consulting credit bureaus (e.g., Serasa, SPC), reconciling accounts, and maintaining updated financial records.
• Contribute to the continuous improvement of credit processes, controls, and reporting standards.

• Bachelor’s degree in Business Administration, Accounting, Economics, or related fields.
• Minimum of 3 years of experience in credit analysis, collections, or related financial areas, preferably with corporate clients (B2B/PJ).
• Solid knowledge of financial analysis, including ratios, credit risk assessment, and cash flow evaluation.
• Advanced English (B2/C1), with the ability to communicate effectively in international environments, including meetings and reporting.
• Advanced proficiency in Microsoft Excel (pivot tables, financial analysis, scenario building).
• Experience with ERP systems (SAP, Oracle, Totvs, Protheus, or similar).
• Familiarity with credit bureaus, scoring tools, and financial risk systems.
• Knowledge of regulatory requirements (e.g., Central Bank guidelines, KYC/AML policies).
• Strong analytical skills, attention to detail, and ability to manage high volumes of information.
• Proactive mindset, strong prioritization skills, and ability to handle competing demands in a dynamic environment.
• Excellent communication and negotiation skills, with the ability to interact effectively with internal teams and external stakeholders.

• Competitive salary, aligned with current market standards.
• Meal and/or food allowance (BRL 40.00 per business day).
• Transportation allowance or free on-site parking.
• Health insurance plan.
• Dental insurance plan.
• Hybrid work model (3 days on-site and 2 days remote).
• Must reside in Curitiba, PR, or the surrounding metropolitan area.
• Annual Profit-Sharing Program (PPR), based on performance and goal achievement.
• Birthday Day Off.
• Life insurance.

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