Sr. Credit Analyst

Senior Credit Analyst

We care for skin. We care for our people.

It all started with a pharmacist and a dream almost 140 years ago. Today, Beiersdorf is a global company with iconic brands - Coppertone, Aquaphor, Eucerin and NIVEA - focused on providing innovative, clinically-proven and safe skin and sun care solutions to more than 500 million consumers in over 200 countries - making people feel comfortable in their own skin.

At Beiersdorf, we care beyond skin. We care for people - our employees, our customers, our consumers and our communities - and our planet. We know that diversity of thought, backgrounds, experience and perspective enriches our culture and supports innovation and ingenuity. We know that responsibly-sourced, sustainable products and packaging make for a more sustainable future. And we know that when your skin feels better, you feel better.

A welcoming workplace that offers personal and professional growth for all individuals.

At Beiersdorf, you'll find:

• A welcoming workplace that values diversity, inclusion and belonging where every team member feels valued, respected, and supported
• Flexible teams that enjoy a challenge and the ability to make an impact
• A dynamic community of life-long learners that values individual skills, and a growth mindset as well as hard skills and established expertise
• A purpose-led company that prioritizes your personal and professional development with the right balance of structure and flexibility to grow
• A culture that lives by its core values of care, trust, simplicity, and courage

Unique benefits that consider the whole person.

We understand that you have a life outside of work, and we support you with unique benefits including:

• Generous and flexible PTO policy
• Paid Parental Leave
• Comprehensive Wellness and Benefits program
• Cash Balance Plan (similar to a pension)
• 401k match
• Established Employee Resource Groups/affinity groups help to grow important connections and belonging with other colleagues
• Dynamic work model - hybrid (at least 3 days on-site)

Experience, skills and competencies that lend themselves to this role:

We know that experience comes in all forms. We are looking for individuals who bring new and diverse skills to the team.

OVERVIEW:

The Senior Credit Analyst for Customer Financial Services (CFS) is responsible for evaluating the creditworthiness of new and existing customers, managing credit risk, and ensuring timely collections. This role involves analyzing financial data, reviewing and preparing credit reports, and collaborating with internal teams to maintain the health of the accounts receivable portfolio. The Senior Credit Analyst will also implement strategies to reduce overdue receivables and enhance cash flow.

RESPONSIBILITIES:

Credit Risk Assessment:

• Evaluate the creditworthiness of new and existing customers by analyzing financial statements, credit reports, and other relevant data.
• Develop and implement credit policies, procedures, and credit limits to ensure consistent credit management.
• Conduct periodic reviews of customer accounts to determine ongoing credit limits and risk exposure.

Accounts Receivable Management:

• Oversee the accounts receivable aging reports to ensure timely collections and the identification of potential risks.
• Work closely with key customer contacts to resolve overdue accounts, ensuring that payment terms and policies are followed.
• Monitor customer accounts for changes in payment behavior and adjust credit terms as necessary.

Reporting & Analysis:

• Prepare and present regular reports on accounts receivable aging, credit risk exposure, and collections status to management.
• Identify trends in payment delays and work with sales and finance teams to address underlying causes.
• Analyze and report on the effectiveness of credit and collections strategies, recommending improvements when necessary.
• Investigate and analyze root causes of delayed payments, including billing errors, purchase order discrepancies and other potential issues.

Collaboration & Communication:

• Act as a liaison between the finance, sales, and customer service teams to ensure proper credit approval and account management.
• Work with legal teams to take action on high-risk accounts or those requiring legal intervention.
• Collaborate with internal stakeholders to resolve customer disputes affecting payment terms and timelines.

Customer Relationship Management:

• Establish and maintain positive relationships with customers while ensuring adherence to credit policies and payment schedules.
• Proactively communicate with customers to ensure timely payments and address any potential issues before they escalate.

Continuous Improvement:

• Recommend improvements to internal credit and collections processes to enhance efficiency, reduce risk, and improve cash flow.
• Stay updated on industry trends, regulatory changes, and best practices in credit risk management.

Compliance & Controls:

• Adhere to department processes and guidelines
• Ensure adherence to company policies, industry regulations, and legal requirements regarding credit management.
• Assist in periodic internal and external audits by providing necessary documentation and data to support related inquiries.

QUALIFICATIONS:

• Bachelors degree in Finance or Accounting
• 5-7 years' experience in FP&A, Accounting, Credit /Accounts Receivable areas
• CPG industry experience
• Strong MS Excel/PowerPoint and SAP (or similar system) experience required
• Strong interpersonal skills, ability to work in a collaborative team environment
• Strong organizational, follow-through and decision-making skills, ability to manage multiple priorities and meet deadlines with minimal supervision
• Strong business analytics skills and must be able to work and problem solve both independently and within a collaborative environment
• Very strong communication skills. Ability to communicate effectively with customer and key internal stakeholders, (Sales, Supply Chain, Customer Service)
• Ability to adapt to changing priorities in a fast-paced environment

ADDITIONAL INFORMATION:

At Beiersdorf, we value diversity and aim to provide equal opportunities to all of our applicants - regardless of e.g. gender, sexual identity, nationality, ethnicity, religion or ideology, disability or age. We would therefore ask you to include only information and data in your documents which are relevant for the assessment of your application (e.g. curriculum vitae with relevant references and certificates). For instance, please feel free to upload your CV without a picture.

Beiersdorf North America - Recent Awards

• Winner of Comparably's Award for Best Company Outlook (2021, 2024, 2025)
• Winner of Comparably's Award for Best Company Culture (2023, 2024)
• Winner of Comparably's Award for Best Company Compensation (2020, 2022-2024)
• Winner of Comparably's Award for Best Company Perks and Benefits (2024)
• Winner of Comparably's Award for Best Company for Happiness (2022,2023-2024)
• Winner of Comparably's Award for Best CEO / General Manager (2020, 2024)
• Winner of Comparably's Award for Best Sales Team (2023, 2024)
• Winner of Comparably's Award for Best Leadership Teams (2020, 2021, 2023)
• Winner of Comparably's Award for Best Company for Diversity (2022)

Check us out on Comparably: https://www.comparably.com/companies/beiersdorf

Having trouble applying? Go to www.BeiersdorfUSA.com to search our careers page. Beiersdorf is an Equal Opportunity Employer.