Financial Analyst – Credit

🔥 4 hours ago

🇧🇷 Brazil – Remote

⏰ Full Time

🟡 Mid-level

🟠 Senior

💸 Financial Planning and Analysis (FP&A)

👻 Ghost score 12%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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ScanSource Brasil

WebsiteLinkedInAll Job Openings

501 - 1000 employees

Founded 1992

💼 Consulting

📦 Logistics

🏭 Manufacturing

Consulting • Logistics • Manufacturing

ScanSource Brasil é uma empresa pioneira no fornecimento de produtos para Automação Comercial no Brasil, atuando como representante oficial de marcas líderes em soluções de Coletores de Dados, Impressoras de Código de Barras e PDVs Modulares. A empresa se consolidou como líder nos segmentos de Automação Comercial (AC), Identificação e Coleta Automática de Dados (AIDC) e Pesagem (Balanças). Desde 2008, a ScanSource Brasil também oferece soluções em Telecomunicações, Networking, Segurança e Monitoramento, visando proporcionar novas oportunidades de negócios aos seus parceiros. A empresa disponibiliza uma linha completa de equipamentos e serviços ágeis, como suporte técnico e treinamento, atendendo diversos setores do mercado, incluindo Varejo, Indústria, Serviços, Saúde e Governo.

📋 Description

• Evaluate and monitor client creditworthiness by analyzing financial statements, including Balance Sheet, Income Statement (P&L), Cash Flow, and credit history. • Perform financial analysis using key indicators (liquidity, leverage, profitability) to define credit limits and support decision-making. • Analyze economic scenarios, market trends, and cash flow projections to assess potential risks and business opportunities. • Manage credit risk by calculating default probability, issuing credit recommendations, classifying portfolios, and monitoring asset quality. • Review and approve credit applications, ensuring compliance with internal policies and regulatory requirements. • Monitor overdue accounts, follow up on payments, and actively manage collections processes, including negotiations and recovery strategies. • Support contract adjustments and propose guarantees to mitigate financial risks. • Prepare and maintain financial and operational reports, including KPIs such as DSO, aging, overdue balances, and provisions. • Support audits, due diligence processes, and documentation requests related to credit and collections activities. • Collaborate cross-functionally with Sales, Legal, and Finance teams to align credit terms, resolve disputes, and improve risk management practices. • Perform operational activities such as consulting credit bureaus (e.g., Serasa, SPC), reconciling accounts, and maintaining updated financial records. • Contribute to the continuous improvement of credit processes, controls, and reporting standards.

🎯 Requirements

• Bachelor’s degree in Business Administration, Accounting, Economics, or related fields. • Minimum of 3 years of experience in credit analysis, collections, or related financial areas, preferably with corporate clients (B2B/PJ). • Solid knowledge of financial analysis, including ratios, credit risk assessment, and cash flow evaluation. • Advanced English (B2/C1), with the ability to communicate effectively in international environments, including meetings and reporting. • Advanced proficiency in Microsoft Excel (pivot tables, financial analysis, scenario building). • Experience with ERP systems (SAP, Oracle, Totvs, Protheus, or similar). • Familiarity with credit bureaus, scoring tools, and financial risk systems. • Knowledge of regulatory requirements (e.g., Central Bank guidelines, KYC/AML policies). • Strong analytical skills, attention to detail, and ability to manage high volumes of information. • Proactive mindset, strong prioritization skills, and ability to handle competing demands in a dynamic environment. • Excellent communication and negotiation skills, with the ability to interact effectively with internal teams and external stakeholders.

🏖️ Benefits

• Competitive salary, aligned with current market standards. • Meal and/or food allowance (BRL 40.00 per business day). • Transportation allowance or free on-site parking. • Health insurance plan. • Dental insurance plan. • TotalPass. • Remote work model. • Annual Profit-Sharing Program (PPR), based on performance and goal achievement. • Birthday Day Off. • Life insurance.