Lausanne, Vaud, Switzerland
Strategic EMEA credit leader with 10+ years of experience designing credit risk frameworks, managing country and political risk, and driving measurable improvements in DSO and bad debt across complex international markets. Proven track record includes Russia portfolio wind-down post-sanctions with less than 0.3% write-off, DSO reduction from 110 to 90 days on public administration accounts, and full factoring partner migration with zero operational disruption. Experienced with Coface, SAP S/4HANA, Coupa and Power BI. Fluent in English, French, Italian and Spanish. Based in Morges, Switzerland, open to opportunities across the region.
Finance consulting during career transition: credit risk advisory, reporting and process optimisation projects. collection. Currently seeking a permanent senior opportunity in credit risk management or finance operations.
- Manages processes and procedures to ensure quality, consistency, and efficiency. - Ensures adequate internal controls are in place and Company accounting policies are adhered to. - Monitor and adopt strategy based on change of risk profile at country/sector/client level - Support regular review in coordination with treasury on complex countries (i.e. Russia) to ensure KYC and AML process are effective - Review black list of financial institution regularly to avoid accepting financing from sanctioned parties. - Finds scalable solutions and works with our Global Shared Services Teams and IT to leverage technology to drive automation - Develops and reports key business metrics & provides trend analysis, with the objective of focusing on continuous improvement and world-class quality service, quality, and productivity. - Ensures that the month-end accounting close is executed timely, including recording of journal entries, account reconciliations, and related analysis. - Develops, maintains, and ensures ongoing compliance with SOX internal control documentation and testing - Actively identify opportunities for process improvement or operational automation and execute on process improvements within existing system infrastructure as it pertains to AR/AP data. - Ensures the Global Finance Shared Services Global Governance is strictly followed for AR and AP. - Completes necessary training as defined by the Company and Director to maintain and/or develop necessary skills and information. - Follows Global Finance Shared Service Center project management methodology. - Follows Global Finance Shared Services standard operation procedures and participates int the development and update of the procedures. - Supports AR, AP, and Global Finance SSC initiatives and guidance, and the Global Finance and SSC
- Responsible credit and risk mitigation activities for EMEA region - Provide support to the EMEA credit & collection team; - Manage relation with floor financing partner, including discussion on disputed items, strategy to launch service in new market - Quantitative and qualitative analysis of client portfolio (>300) for Benelux, Spain, Italy focused on credit limit needs, related risk assessment and evaluation of collateral requirements; - A/R management, review of client positions, management of PD; - Collection activities in liaison with external collection agencies in order to meet average DSO’s objectives of the company; - Financial database maintenance, creation of bad debt reserve and write-off request in line with credit department objectives; - Monthly presentation of aggregate client portfolio per country to commercial team and credit and commercial management to pin point credit issues and related risks, and review of factors limiting sales and proposal of solutions;
- Quantitative and qualitative analysis of client portfolio (>300) for Benelux, Spain, Italy focused on credit limit needs, related risk assessment and evaluation of collateral requirements; - A/R management, review of client positions, management of PD; - Collection activities in liaison with external collection agencies in order to meet average DSO’s objectives of the company; - Financial database maintenance, creation of bad debt reserve and write-off request in line with credit department objectives; - Monthly presentation of aggregate client portfolio per country to commercial team and credit and commercial management to pin point credit issues and related risks, and review of factors limiting sales and proposal of solutions;
- Successful preparation of official reports on publicly traded companies for institutional Shareholders in order to provide official vote recommendations for annual and special shareholders’ meetings - Review and data gathering using different national publications, companies’ public documents and other financial materials to obtain proxy information on publicly traded companies. - Development of market expertise in corporate governance, investments and shareholder issues, gathered through fundamental research and engagement with company executives, governments, regulatory and listing authorities - Database updates using proxy and company information and shareholders’ meeting details
· Update of internal Credit databases · Submit up to date limit sheets to Senior Analysts · Assist Credit Analysts to audit ratings · Assist Credit Analysts to source and spread financial information · Quantitative and qualitative analysis of financial reports from French, Italian, Austrian public administration and Supranational entities