German Speaking Credit Risk Manager
A world leading and innovative retailer in Central London is currently looking for an experienced German speaking Credit Risk Manager to support the DACH Region Countries (Germany, Switzerland Austria).
OVERVIEW:
With the overall objective of supporting growing sales while mitigating bad debts risks, you will work closely with the Country Sales teams and wider credit function. You will also ensure process improvement and excellence in support. This role is highly biased towards detailed Credit Analysis and face to face interaction with customers to understand and further dive into credit worthiness.
Key Qualifications include:
- Fluent German speaker (able to conduct business conversations)
- Top tier Credit Analysis expertise
- Experience in a commercial B2B credit evaluation environment
- Strong underwriting skills
- Experience of Portfolio Credit Analysis
- Company Risk Analysis
- Credit Scoring Analysis
- Customer facing and experienced influencer
Responsibilities include:
- Meeting customers on a regular basis to assess performance and credit worthiness
- Administering and enforcing company Credit Policies and procedures, assessing credit worthiness and recommending credit limits
- Analysis of Financial Data for all customers and providing proactive Risk Management/reporting to Finance and Sales management
- Analysis of credit information to establish customers’ credit limits permitting highest profitable sales consistent with minimum losses
- Establish credit limits, make proposals to change credit limits and managing overall portfolio risk
- Manage Securities and Collateral requirements
- Maintain appropriate documentation and transparency to support basis and rationale for customer credit decisions and limits
- Monitor changes in economic, industry, and customer conditions evaluate potential changes to customers' credit worthiness (risk tolerance)
- Advising and recommending changes to policy and procedure
- Implement best practices and process improvement where appropriate
- Making recommendations to reduce/control risk
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