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Credit Risk Manager

  • Gurgaon
  • Finance
  • Permanent - Full Time
  • Remote
  • r16497

What You'll Do:

The Credit Risk Manager will be working on EMEA shift.

He will manage:

  • The credit risk team composed of 1 credit risk analyst, and 3 credit risk apprentices (EMEA timezone)

The following team members will have a dotted line reporting to the Credit Risk Manager:
3 customer liaisons located in India (1 in EMEA shift, and 2 in Americas shift) whose scope includes

  • Contract management of the Order-to-Cash (OTC) co-sourcers,

  • Cascading of OTC Action Plans and Process Changes to co-sourcers and local teams

  • Processing of the most critical service request sent by customer or sales to the OTC team

Update and implement the global Credit Risk Policy

  • Revises the company credit risk policy to reflect the credit risk management strategy and ensure compliance with other business rules and procedures

  • Maintains and/or implements adequate controls to appropriately manage credit risk.

  • Defines customized credit limits for each of our major customers, and validate default credit limit for other customers based on their risk category (Seg. A, B , C..).

  • Monitor exceed of these credit limits and trigger the right action to solve the situation (i.e. pause campaigns, solve overdue, or increase credit limit)

  • Participates in or supports the sales processes to ensure compliance with defined standards; Payment terms included

  • Holds collection reviews between Finance & Sales Departments and enforces process credit escalation (collection action or request the support of other actors: Sales Rep, Credit team)

Manages the Credit Risk activities

  • Investigates client creditworthiness via external sources

  • Performs B/S and P&L analysis of customers to propose credit limits based on their financial situation

  • Validates portfolio segmentation, credit risk rules and methods per customer segment in coherence with CRITEO policy

  • Monitors performance and recommend actions in case of underperformance.

  • Prepares and participates in monthly internal credit & collection meetings

  • Takes part in the process of credit risk escalation (customer visit, call to customer CFO)

  • Engage with customer regularly to understand accounts payable practices.

  • Provide the necessary input for the calculation of the Bad Debt Reserve.

  • Optimizes processes

  • Continuously evaluates and improves effectiveness of processes for Credit risk management

  • Enhances credit risk culture of sales department

  • Dashboard and Reporting

  • Prepare the monthly Regional Credit Committees with a view on the Top 5 delinquent accounts including trends and action plans.

  • Report on the evolution of the credit worthiness of the overall portfolio by leveraging both external and internal KRIs.

  • Detects exception (credit limit, payment terms...) and alerts both Regional Finance & Sales Director and HOTC on deviation (overdue amount, claims number).

Communication with Collection team

  • Close collaboration with the collection teams (i.e. review of top 20 account by BU/Regions, alerting in case of financial distress).

  • Organizes and develops experience sharing between collections and credit risk management

Management of the teams

  • Help improve credit risk assessment skills and process within the Credit Risk Team

  • Set measurable objectives for each activity (i.e., credit risk and customer liaison)

  • Collect and cascade requirements and instructions from the OTC Regional Lead on the work to be performed by the customer liaisons (processing of customer and sales requests within the SLAs, reconciliation of accounts, review of co-sourcer performance).

  • Ensure achievements of the teams are well communicated across the organization.

Who You Are:

  • BA in Finance or Accounting or Training with Certification

  • 6-8 years of work experience in Finance/Audit or 6-8 years as Credit Manager

  • At least 2 years with management experience

  • Knowledge of how to use SAP, Salesforce and Excel

  • Strong Management Skills

  • Great attitude and go-getter personality!

  • Demonstrate flexibility and adaptability to be successful in a rapidly changing environment

  • English fluency (written/spoken)

  • Proven self-starter with the ability to work largely without direct supervision

  • Previous experience in a multi-cultural, technology-orientated business is a plus

We acknowledge that many candidates may not meet every single role requirement listed above. If your experience looks a little different from our requirements but you believe that you can still bring value to the role, we’d love to see your application!​

Who We Are:

Criteo is the global commerce media company that enables marketers and media owners to deliver richer consumer experiences and drive better commerce outcomes through its industry leading Commerce Media Platform. At Criteo, our culture is as unique as it is diverse. From our offices around the world or from home, our incredible team of 3,600 Criteos collaborates to develop an open and inclusive environment. We aim to create a place where people can grow and learn from each other while having a meaningful impact. We work together to achieve our goals, push boundaries, and share successes. All of this supports us in our mission to power the world’s marketers with trusted and impactful advertising encouraging discovery, innovation and choice in an open internet.

Why Join Us:

At Criteo, we take pride in being a caring culture and are committed to providing our employees with valuable benefits that support their physical, emotional and financial wellbeing, their interests and the important life events. We will set you up for success and empower you to have a meaningful impact in your job, and an important part of that includes comprehensive perks & benefits. Benefits may vary depending on the country where you work and the nature of your employment with Criteo. When determining compensation, we carefully consider a wide range of job-related factors, including experience, knowledge, skills, education, and location. These factors can cause your compensation to vary.