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Senior Credit Analyst

Purpose of the job:

Assess and manage customer credit risk to minimize working capital and bad debts while supporting business with appropriate credit extension. Propose and implement policies, procedures and actions that enhance business opportunities. Monitor assigned portfolio using relevant criteria (segment, product, region, etc.) for trending and benchmarking.

Complexity of the job:

External factors

In conducting INEOS Styrolution’s business, significant resources are put at risk by delivering products before receiving payment.

Therefore, the role is strongly influenced by:

Customer financial development

Market development

Economic factors, country risks, etc.

Internal factors

The Senior Credit Analyst is responsible for assessing the risk of default of each customer and/or customer group. The role has to take into account:

Guidance on INEOS Styrolution’s risk appetite given by the Global Head of Credit Risk Management and Mexico regulations

The customer relationship and the importance for the business

The structure of the credit portfolio

The quality of information provided by the sales team


Independent credit risk management of assigned customer portfolio
Perform high quality credit risk analysis of customers by analyzing credit data using external and internal information sources
Monitor trends and model customers/groups/segments within portfolio to proactively reduce risk exposure and prevent bad debts
Regional responsibilities: daily bank statement review, account reconciliations, maintenance of invoices via customer portals, portal invoice management Edicom), generate account statements as required, country audit requests, SAT requirements, other duties are required.
Maintain credit master data in SAP 
Manage the release of blocked orders, obtaining approvals as required
Direct contact with high risk or important exposure customers within the portfolio
Monitor overdue invoices and disputed items and support with collections and/or negotiations as required
Management of the Credit/Sales interface, finding solutions for conflicting interests
Monitor high risk countries and propose risk mitigation action plans
Project management – lead projects regarding improvements of processes and procedures, especially for the development of Credit automation
Weekly, monthly and/or quarterly reporting
Comply and enforce INEOS Styrolution responsibilities, authorities and policies, including, but not limited, to:

ISO 9001, ISO 14001, ISO TS 17025, IATF 16949, GMP, Code of Conduct, SHE Policy, Environmental Policy, Quality Policy, Golden Rules, 20 Safety Manangement Principles, Mexican Regulations (SAT).

Required profile:

A Senior Credit Analyst must have very strong skills/competencies in the following areas: 

Fundamental credit risk analysis
Excellent communication with customers and Account Managers/Sales Directors
Ability and willingness to negotiate and make credit decisions

Level of education & Knowledge:

Bachelor education level in related field: finance, business administration

Experience managing a diverse customer portfolio – different industries, countries, cultures

Fluent in English

Experience in general:

Minimum 4 years of experience in a multinational corporate or financial institution with focus on credit risk management

Technical skills:

Advanced analytical skills and abilities to abstract

Good IT skills (MS Office – mainly Excel, SAP, Power BI)

Strong understanding of financial information received from external sources and customers (financial statements); Allows for full evaluation of a customer’s business and enables judgment of customer value vs. risk

Competencies, Behavioral skills:


Excellent communication skills

Works cooperatively with good team spirit

Interacts with all internal and external customers openly and honestly

Well organized, time oriented with attention to detail and accuracy

Ability to resolve conflicting requirements within tight deadlines

Ability to make decision with conflicting interests

Good negotiation skill

Advanced analysis skills

Ability to prioritize

Pro-active and self-motivated

Ability to be flexible

Trustworthy and responsible within the organization

Capable of working in a multi-cultural surrounding with sensitivity to cultural differences


Results Orientation:

Performs tasks required in the job

Works in a straightforward manner to generate required results


Sets the right priorities for his/her job area

Takes actions/decisions in line with his/her responsibility

Customer Orientation.

Listens carefully to the customer and understands customer needs

Deals with customers in a responsive and professional manner

Understands the value of our products and service solutions

Valuing and Respecting People

Is sensitive to interpersonal and intercultural differences

Interacts openly and honestly

Works cooperatively and respects others´ contributions

Reliability and Responsibility.

Actively works to improve the level of reliability of his/her area of responsibility

Ensures compliance in his/her area of responsibility

Is consistent in his/her behavior and acts as a role model

Focuses on achieving appropriate quality and sustainability of his/her area of responsibility

Performance indicators:

Review of assigned credit portfolio following high analytical standards specified in the Credit Policy guideline
Transparency of credit risk within the portfolio
Low level of overdues and bad debt
Accurate and detailed reporting: DSO, overdues, portfolio development
Lead projects (regional and/or global) regarding process and procedures improvements, especially in the future development of Credit automation

For more information please contact Leticia Wong

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