FINANCIAL ANALYST (CREDIT)
HybridCuritiba, Paraná, Brazil
Job Summary
Evaluate client creditworthiness by analyzing financial statements, Balance Sheets, Income Statements, and cash flow projections to define credit limits and assess risks. Perform financial analysis using key indicators to calculate default probability, issue credit recommendations, and classify portfolios. Review and approve credit applications while monitoring overdue accounts, negotiating payments, and managing collections processes. Prepare operational reports tracking KPIs such as DSO, aging, and provisions, and support audits and due diligence. Collaborate cross-functionally with Sales, Legal, and Finance teams to align credit terms and resolve disputes. This role resides within SourceHub's Credit and Collections team, supporting an international environment for ScanSource Group's global technology distribution.
Required Qualifications
- 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.
- Must reside in Curitiba, PR, or the surrounding metropolitan area.
Desired Qualifications
- Must be able to lift 50 lbs
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