Credit Analyst

26WD97014

Position Overview
 

As a Credit and Collections Analyst you will determine the credit worthiness of customers and potential customers desiring to purchase our products and services based on evaluation of financial condition/ability to pay for such purchase. You will manage a portfolio of assigned accounts whose payments to us are past due and contact past-due accounts to arrange for payments while preserving our business relationship with the account. You will review and make recommendations regarding bad debt or write-offs and investigates and analyses credit risks, using available internet and credit agency tools and information. You will report to the EMEA Senior Credit and Collections Manager. We support hybrid work, and you will be expected to work in office three days a week.
 

Responsibilities

• Conduct financial research regarding the credit worthiness of customers and potential customers, using available credit rating services, annual financial statements, information from financial institutions, other creditors, public/private sector sources, and information obtained directly from customers to determine the viability of extending credit to customers relating to the purchase of our products and services

• Investigate information relating to credit applications that is inconsistent with other reported data / information, or that indicates a possible concern with the applicant's financial / operating stability. Contact applicant representatives directly to secure clarifying / supplemental data regarding the issue of concern

• Make decisions regarding the viability of extending credit to customers and potential customers using our established credit matrix and corresponding processes to determine credit worthiness. Identify and approve credit applications of customers whose financial / performance meet matrix requirements, subject to the Analyst's assigned financial limitations. Identify and disapprove credit applications of customers who's financial / performance fails to meet matrix requirements or whose past record of business activity with Autodesk / record of payments indicates an unacceptable credit risk. Develop and maintain written documentation of all approved / disapproved credit decisions

• Develop formal written / oral analysis of marginal credit applications, escalating the credit application to regional credit management for evaluation and determination. Ensure supporting credit analysis includes information relating to all factors considered relating to the application's credit worthiness as defined within the parameters of the credit matrix

• Manage a portfolio of assigned accounts that are behind schedule in their payments to the Company. Research account financial / operating situation to identify indications of deteriorating financial conditions. Contact customers regarding payment of overdue invoices. Secure information from customers regarding the basis for non-payment, including

  • Customer's temporary financial inability to pay the invoice short term

  • Customer's dissatisfaction with some element of our products or services and need for resolution of product/service issue before payment

  • Customer's long-term financial insolvency and potential for never paying the invoice

• Manage the Dunning cycle of customers in your portfolio, ensure allocations of payments and solving of identified issue timely to prevent unnecessary suspensions to your customers licences

• Manage all cases and escalations assigned to you for action to optimism customer satisfaction

• Maintain an ongoing program of appraisal and analysis of account activity / payment status. Identify accounts whose continued failure to follow payment schedules / honor payments commitments indicates limited potential for securing payments through continued collections efforts. Make recommendations to department management regarding the viability of transferring accounts to a third-party collection's agency or legal action. As defined by department procedures, recommend the write-off of aged accounts whose payments are more than 360 days overdue

Coordination:

• Negotiate with customers experiencing short-term financial constraints to secure commitments to pay amounts due in the shortest time possible, (including arrangements for rescheduling of the payments process). Follow up with customers to ensure commitments to pay are honored. Partner with Company Sales to secure support for payment

• Work with dissatisfied customers to identify the nature of the problem relating to our products and services and with Company Operations to arrange for appropriate technical staff support to address/rectify the issue. Team with Company Sales to resolve the customer issue and secure customer payment

• Meet weekly with department management to review and evaluate the accounts within the assigned portfolio. Provide ongoing updates of client contact / client commitments discuss negotiating strategy / possible alternatives, review performance to date against our standard metrics

• Represent the Company and the department in daily activities with both internal and external auditors, providing documentation, and information about the status / activities relating to accounts under review

• Support the Company's credit and collection’s role to clients, communicating in local languages and with a working awareness of, and regard for the culture of our client's country, management staff, and employees, and local market conditions/ business practices. Provide information and guidance to Company management regarding cultural issues relating to financial matters within the clients' specific country and advice regarding historic processes and procedures for accomplishing timely arrangements for credit and for receipt of customer payment

Minimum Qualifications

• Fluent in English

• Experience in collections and credit process for France and or other EMEA market

• SAP ECC or SAP S4 experience

• Intermediate skills in Microsoft Excel

• Excellent negotiation and communication skills

• Expert in stakeholder management

• Team player, self -motivator with laser focus

Preferred Qualifications

• 2+ years’ experience in Credit and Collections within Multinational environment

• SAP S4 Experience

• Salesforce Experience

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