Credit & Collections Expert

Náplň práce, právomoci a zodpovednosti:
1. Master Data for security provider: Ensure high-quality governance of security provider master data for all assigned company entities. Proactively gather, validate, authorize, and maintain master data in line with internal standards, ensuring accurate and timely updates in SAP. Support standardized
processes, maintain related procedures and documentation, and proactively propose improvements to master data governance and efficiency while ensuring full compliance with credit and collection controls.
2. Invoice Handling: Take end-to-end responsibility for processing incoming invoices related to Credit & Collection services. Review, approve, and resolve complex discrepancies, ensuring accurate posting, compliant digital and manual archiving, and timely completion. Coordinate closely with internal
stakeholders and external partners, provide expert guidance on compliant invoice submission, and ensure proper escalation of issues where required.
3. Limit approvals: Execute, evaluate, and document credit limit approvals within the established Credit Limit workflow, including preparation of exemption motions when applicable. Ensure adherence to approval hierarchies, internal controls, and documentation standards. Monitor accurate data transfer to SAP, maintain alignment with business stakeholders, and contribute to optimizing and standardizing approval processes across the company Group.
4. Counterparty assessments: Conduct timely and accurate counterparty assessments and ratings by analyzing financial statements and deriving key performance indicators in accordance with standards. Efficiently process internal and external information, monitor counterparty risk, and ensure proper documentation and reporting. Provide expert oversight, troubleshooting, and continuous improvement of the automated counterparty assessment robot.
5. Collateral & Insurance: Assess, monitor, and manage collateral and discretionary insurance requirements in close alignment with business units and insurance partners. Maintain and enhance collateral and insurance data in SAP, including premium declarations and reporting. Manage and update templates for guarantees, deposits, and other security instruments, ensuring compliance with internal credit policies and supporting risk-mitigating actions.
6. Reporting and Monitoring: Develop, refine, automate, and deliver accurate and timely standard, monthly, and ad hoc reporting in line with defined documentation and control standards. Monitor customer payment behavior and credit-relevant information, evaluate risk exposure, and derive appropriate mitigation actions. Ensure all assigned reporting obligations are fulfilled on time and with high data quality, including support for audit requests.
7. Collection and Claims: Independently manage collection and claims activities in accordance with company guidelines and controls. Monitor overdue receivables, decide on dunning blocks, and advise sales teams on required documentation. Coordinate with external legal, collection, and insurance partners, provide regular case reporting, support fraud investigations, and drive continuous improvement of collection strategies, processes, and partner networks.
8. Use of Collection Tool: Oversee daily operational workflows within the collection system, ensuring effective usage and data accuracy. Utilize dashboards and analytics to identify high-risk accounts, monitor performance trends, and support risk-based decision-making. Report system issues, support enhancements, and contribute to optimization initiatives for tools and processes.
9. Interface and IT: Ensure the effective operation of all Credit & Collection systems and interfaces. Collaborate closely with IT on incident resolution, ticket handling, and system improvements. Support implementation of new business models, processes, and structures while maintaining alignment with
Credit Risk Business Partners and ensuring continuity of operations.
10. Projects and audit support: Contribute to the design, execution, and delivery of departmental projects and initiatives that enhance processes, systems, and service quality. Provide expert support for audits, including preparation, documentation, reporting, and follow-up activities. Perform internal control activities, maintain up-to-date procedures, training materials, and high-quality process documentation, and proactively identify opportunities for standardization and continuous improvement across the company Group.
11. Perform other relevant duties in support of business/department goals as identified by the line manager, including but not limited to participation in projects, preparation of reports, data analysis, and other relevant duties as required

Zamestnanecké výhody, benefity:

• 3 additional vacation days
• Additional Pension Insurance (DDS Tatra Banka)
• Gastro Card or Meal Cash Allowance
• Routex Card with discounted fuel for employees
• English/German Language Education Contribution
• Jubilee Benefit
• Child Birth Bonus
• Medical Care Program
• Multisport Card
• Referral Program
• Parking/Commuting allowance
• Santa Claus Packages
• Sickness Policy
• Teleworking (10days/month)

Požiadavky na zamestnanca:
• University degree MA, relevant professional experience min 5 years.
• Advanced knowledge of processes, roles and responsibilities on department level.
• Advanced knowledge and understanding of related legislations / norms, internal rules / guidelines.
• Proactively identifies opportunities to improve activities, processes, and regulatory practices
• Able to elaborate reports and analysis in order to support / optimize end to end processes.
• Able to elaborate / update working instructions (process documentation).
• Proven ability to adjust new tasks & situations in an effective manner, showing flexibility in the way of thinking and acting.
• Intermediate to solid communication and interaction skills.
• Basic knowledge of Accounts Receivable processes (invoicing, dunning procedure, incoming payments, collection, credit risk)
• Good knowledge and skills of Microsoft Office (Microsoft Excel, Microsoft Word, Microsoft Outlook)
• Good knowledge and application of SAP transactions related to team activity and general knowledge of SAP transactions applicable on department level
• Good knowledge and understanding of related legislation/norms, internal rules/guidelines