Credit Risk Agent

Role Profile
Role Details
Role Title Credit Risk Analyst Reports to (title) Credit Risk & Collection Team Leader / Supervisor
Corporate / Business Division Express Business Unit Express
Career Function Finance Job Family Accounts Receivable
Career Level 1
Geographical scope Country / (Sub-) regional Grade tbc
Role Purpose To ensure that credit risk exposure on the entire AR ledgers is proactively analyzed and that adequate recommendations and, follow up actions are taken to constructively limit/mitigate the credit risk exposure, while maintaining compliance with order to cash policies and other collection strategies.
Date Profile Approved November 2014 Role Profiler (Name and Email) Global AR Process Tower
Scope of Role
Revenue of own unit [year] Number of countries covered [year] No. of FTEs [Total FTEs
in own area of responsibility] Direct/Dotted Line reports [only first level of reports into the role]
n/a n/a n/a n/a
Budget responsibility (including personnel cost)
in m or bn € [year] Expected EBIT of own unit
in m or bn € [year] Size of assets under management
in m or bn € [year] Other relevant dimension
n/a n/a n/a
Specific Role context [brief explanation] Specific Role Challenges [brief explanation]
Back Office Environment Role involves direct customer interactions and negociations over the phone and by (e-) mails (incl. visits)
Accountabilities Key Activities Overall Goals / Typical Measures
Customer - Business RolesExternal - To perform credit analysis and financial statement reviews when onboarding new customers and, recommend trading terms and conditions in line with credit policies and guidelines
- To perform analysis on outstanding AR ledgers, determine potential risk customers and coordinate mitigation measures
-To perform in depth analysis on legal entity level in order to asses the potential risk customers and provide reporting and action plan towards collections, sales, CFO and OTC community at coutnry, regional and possibly global level
- To ensure adequate follow up upon identified risks and gaps
- To arrange, coordinate and lead regular meetings, visit customer and build towards an improved customer satisfaction while mitigating trading risks - Bad Debt Provision
- Bad Debt Write Off (Freight & Duties)
- Bad Debt Expenses for Frauds, Legal Suspensions, and Bankrupties
- Bad Debt Expenses for un-collectable receivables
Stakeholder - Business Roles External & Internal - To agree and coordiante credit risk mitigation measures with Sales, CMF, credit collection, credit administration, operation, H&G, CFO and OTC teams
- To advice and coordinate process improvement regarding to credit risk mitigations across the entire OTC chains - Un-allocated cash at EOM
- Credit Balances & Down Payments
Process List of processes as per AR GOM/ROM 4.01 - 4.03
4.01 Credit checks
4.02 Credit risk monitoring
4.03 Credit risk mitigation - Ledger credit risk profile
'- Trial Balance Ageing
People - Management N/A
DP DHL Competencies RequiredLevel Level Requirement Statement
Making customers more successful N/A Proactively reviews and improves internal processes that do not meet the customer’s needs
Develops and delivers innovative solutions and services that create value for customers and DP DHL
Shaping direction N/A Anticipates potential risk and ensures appropriate contingency is agreed / built into plans and strategy
Integrates information from external best practice to develop strategies / plans
Driving high performance N/A Challenges others to make use of their decision making freedom
Regulary reviews progress with all stakeholders against targets and defines contingency plans
Developing others N/A Collaborates with collegues to implement new ideas and approaches learned through development
Proactively partners with new colleaguesto the area / organization to help them be more successful faster
Developing self N/A Is a role model across the area for the way they act
Proactively seeks out challenging projects outside of core experience and achieves solid results
Functional Competencies Required Level Level Requirement Statement
( depends of the customer but would set the minimum level on Preferred Supplier for a RCM)
Analytical skills 2 Is able to gather and structure all data and information relevant for the analysis of an issue
is able to assess the right level of detail in the context of the big picture
Is able to identify patterns in the data
Is able to draw conclusions and identify options for action for simple issues
Is able to recognize obvious implications of the issue and cross-links with direct interfaces in the organization
Business communication 2 Is able to proactively invite other people’s comments and suggestions
Is able to communicate simple to difficult messages effectively
Is able to communicate effectively with all colleagues and (internal / external) customers Is open to other people’s comments and suggestions
DPDHL business knowledge 1 Has basic knowledge of main products, services and business processes of their key business
Is able to apply basic knowledge and implications of their business’ internal organization, governance and policies to their area of responsibility
Relationship management 2 Is able to network widely across businesses to strengthen their organizational, product and market knowledge, build strong relationships of trust, and share information and learning with others
Is able to encourage their team to do the same
Is able to challenge peers appropriately
Knowledge of DPDHL financial policies 1 Has knowledge of the DPDHL financial policies as far as relevant to a limited area of responsibility
Is able to appropriately apply DPDHL financial policies to a rather limited range of activities
Is able to ensure compliance with DPDHL financial policies in their day-to-day routine activities
Knowledge of financial metrics and tools 1 Has basic knowledge of the use and meaning of finance metrics and tools
Is able to gather correct data to provide effective administrative support
Knowledge of accounting standards and legal requirements regarding financial processes 1 Is able to apply (mostly basic) knowledge of accounting standards, statutory, regulatory, and legal requirements to execute rather simple, repetitive tasks
Is able to execute their work according to instructions
Knowledge of cash and liquidity management 2 Has sound knowledge of banking, credit collection, cash management and payment systems as well as fund settlements and hedging techniques
Is able to develop and interpret cash flow forecasts, including debt & interest forecasts and analysis of variances
Is able to manage cash through treasury management and information systems
Is able to deal in a range of financial instruments in a secure manner