Junior Credit and Collections Analyst

Description

**Job Description and Responsibilities:** **Working Hours:** **Level:** Professional **Employment Type:** Permanent – CLT * Conduct data collection and economic\-financial analyses of customers to determine credit limits; * Perform credit risk analysis, adhering to internal policies and mitigating risks; * Structure credit operations and prepare technical opinions; * Assess operational risks (customer registration, income, assets, liquidity, collateral, purpose, and term); * Monitor credit granting indicators and prepare management reports; * Monitor the accounts receivable portfolio (bills, invoices, checks, etc.), identify delays, and take necessary actions; * Maintain updated customer registrations and credit data in systems (ERP, BI, credit management software); * Track delinquency and prepare management reports; * Analyze and propose improvements to the collections process; * Collaborate with the sales team to align receivables collection strategies; * Work jointly with the Legal Department in judicial collection cases; * Monitor the accounts receivable portfolio (bills, invoices, checks, barter, CPR, and agricultural credit notes), identifying delays and delinquency; * Contact delinquent customers (phone, e\-mail, WhatsApp) to negotiate payment plans for recovering outstanding amounts; * Draft agreements, define payment terms and conditions, and coordinate with the Sales and Legal Departments in judicial collection cases; * Generate and send accurate invoices, ensuring correct billing for products\/services; * Maintain up\-to\-date reports in advanced Excel, ERPs, BI, and credit management software, building, maintaining, and providing accurate information to supervisors and management; * Monitor key indicators (DSO, delinquency rate, credit recovery) and propose process improvements; * Maintain updated management reports (advanced Excel, ERP, BI), delivering strategic information to management; * Participate in alignment meetings with related departments (sales, legal, finance); * Operate company vehicles for technical visits to customers, producers, and suppliers; driver’s license category B required; * Demonstrate organizational skills, teamwork ability, and preliminary risk awareness in performing tasks; * Perform other tasks of similar nature and complexity associated with the position. General Responsibilities * Comply with the company’s occupational health and safety and information security policies; * Adhere to applicable laws, regulations, procedures, and internal bylaws; * Keep process information and documents updated, controlled, and archived electronically or physically, where applicable; * Support the development of various reports to assist technical and managerial decision\-making; * Propose process improvements; * Attend industry events (meetings, seminars, associations, etc.); * Maintain a clean and organized workplace; Use company financial resources rationally. * **Requirements:** * Bachelor’s degree completed in Business Administration, Accounting, Financial Management, or related fields; * Experience in credit analysis and approval. **Benefits:** Medical assistance, Dental plan, Life insurance, Meal allowance