Credit Analyst managing credit approvals and collections in pharmaceutical industry. Working with financial analysis to optimize cash flow and reduce risks.
About the role
- Financial specialist ensuring company liquidity through advanced credit and collections analysis. Engaging with business areas to mitigate risks and align practices with corporate guidelines.
Responsibilities
- Conduct comprehensive and high-complexity credit analyses for clients, within delegated limits, interpreting financial statements, capital structure, payment history and sector risks, ensuring decisions adhere to internal policies.
- Define, review and propose credit limits using risk models.
- Participate in drafting, validating and monitoring formal credit recovery instruments, such as acknowledgments of debt, ensuring legal and financial compliance.
- Structure payment agreements, renegotiations and installment plans, supporting critical negotiations and proposing strategies to improve cash flow.
- Prepare, validate and refine the bases and criteria used to calculate the PECLD (Provision for Doubtful Accounts), contributing to predictive analyses and accounting accuracy.
- Work with Legal on judicial collection proceedings, asset recovery and assessment of legal risks, providing technical analyses and strategic support.
- Monitor and deepen analysis of key indicators (delinquency, aging, provisions, credit recovery, among others), preparing management reports.
- Provide specialized support for internal and external audits, ensuring consistency of financial information, traceability and robustness of controls.
Requirements
- Bachelor's degree in Business Administration, Economics, Accounting, Finance or related fields.
- Minimum of 5 years' experience, with a background in credit and collections management.
- Proficiency in interpreting balance sheets, income statements (DRE) and financial statements.
- Knowledge of financial instruments, credit limits, guarantees and risk scoring.
- Experience supporting internal and external audits.
- Knowledge of Power BI.
- Advanced level in Microsoft Office (Excel and PowerPoint).
- Knowledge of SAP FI.
- Experience preparing management reports.
Benefits
- Work schedule: Hybrid (3 days per week on-site in Joinville, SC).
- Flexible working hours.
- Meal voucher.
- Year-end gift.
- Health insurance.
- Dental plan.
- Life insurance.
- Private pension plan.
- Wellhub (formerly Gympass).
- Birthday day off.
- Family-friendly company: extended maternity and paternity leave.
- Discount on our products.
- Annual bonus (profit-sharing).
- Up to 50% discounts on medications.
- Health programs.
Job title
Job type
Experience level
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Not specified
Degree requirement
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