The Analyst, Credit & Risk Management / Orders Release LATAM will be responsible for evaluating the solvency of new and existing customers through comprehensive analysis of financial statements, banking/commercial references, payment history, credit bureau agencies information, and other relevant data. This role involves analyzing and assessing risks to set appropriate credit risk limits and terms, making informed decisions on order releases, and supporting the LATAM credit and collections team with risk management evaluations.

The successful candidate will use credit risk evaluation and portfolio analytics to prepare and deliver engaging forward-looking analysis to senior management to ensure long-term alignment the Company’s risk tolerances. This role will work closely with order-to-cash peers and teams and regional finance leaders, besides will have solid interactions with go-to-market teams, corporate risk functions, internal audit, and external regulators.

If you thrive in a dynamic environment where collaboration and continuous enhancement are valued, this position offers an exciting opportunity to contribute to our organization.

Key Responsibilities:

Support Credit & Risk Management team: Drive and support the end-to-end delivery of Credit & Risk Management operational services supporting the region to ensure efficient operations and timely payment of Customers’ invoices.

Support Credit & Risk Management operations, in day-to-day activities of the departmentEvaluate the solvency of new and existing customers through analysis of financial statements, banking/commercial references, payment history, credit bureau agencies information and other data, analyzing and assessing risks to set appropriate credit risk, limits, and terms.Support and implement strategies to assess and mitigate risks, setting appropriate credit risk limits and terms.Evaluate orders retained from customers with payment delays and/or exceeded credit limits, making high-level decisions on order releases based on comprehensive risk management assessments.Expand and improve Credit & Risk Management operations automation activitiesManage all aspects of assigned activities and deadlinesSupport internal customer inquiries escalated as needed with a sense of urgencyProvide training to new employees and system users on Policies, SoPs, and ControlsMaintain high level of Customer Service

Support Credit & Risk Management Strategy: Collaborate with the Manager, Credit & Risk Management and Sr Manager, Order to Cash LATAM to enhance Credit & Risk Management strategies aligned with the business needs, customer experience, and the work and workforce at Ingredion, improving and enforcing Credit Policy and Guidelines to ensure effective credit management and helping to institutionalize a cultural awareness of risk management practices throughout the organization.

Collaborate with Key Business Partners and report on monthly performanceIdentify issues and process improvements for Steering committee reviewContinually implement enhancements to further improve and streamline processes, including proper testing and communication to LeadershipSuggest adjustments to improve data quality and processing efficiency, including enhancements to the import and export of data between various applications

Monitor SLAs and Reporting: Ensure adherence to Service Level Agreements, produce and review reports on performance, and identify and track any system, process, or performance issues. Escalate issues as necessary for timely resolution.

Effectively monitor risk appetite & KPIs for credit metrics and ensure that all risk mitigating controls are completed and addressedProvide reports and high-value analysis for the customer portfolio with primary accountability for identifying and managing emerging threats across all components of the credit lifecycle to ensure alignment with risk appetite and Credit Policy and Guidelines.Conduct all daily, weekly, and monthly activities to drive compliance to policiesSupport audits and work with Team on remediations as requiredEnforce and maintain SOX compliance for policies and proceduresAssist with month-end and year-end close activities as neededStay updated on relevant laws, regulations and audit best practices to ensure organizational compliance documentation procedures.

Process Improvement and Project Management: Identify opportunities to improve processes through RPAs, lean practices, and six sigma actions focusing on quality, efficiency, responsiveness, cost-effectiveness and standardization. Demonstrated ability to manage multiple projects simultaneously, ensuring delivery of targeted results.

Stakeholder Relationships: Develop and nurture key relationships with GBS stakeholders such as go-to-market, finance and corporate, defining expected outcomes, identifying issues, and facilitating resolution through corrective action, communication, and collaboration to improve service level and drive strategic business growth.

Communication: Communicate key risks, outline risk positions, and present analytical findings with associated business implications to executive leadership.

Qualified candidates will have:

Credit risk management Expertise: Advanced knowledge of the policies, procedures, and controls of credit strategy, credit analytics, or credit risk management, including a minimum of four (4) years of Customer to Cash value chain, Dispute Resolution and Collections experience, preferably granting credit.Education: Bachelor’s degree in business, finance, accounting, or a similar quantitative discipline (economics, econometrics, mathematics, statistics, engineering, computer science, business administration, etc.).Business Acumen: Solid understanding of business, financial and accounting principles and fundamentals of credit analysis.Design Thinking Skills: Solid systems knowledge and passion for advancing technology integration to automate processes with proven technology expertise within the Customer to Cash value chain.Analytical Skills: Proven ability to independently analyze complex problems, research complex issues, draw appropriate conclusions, and develop and implement innovative solutions. Exhibit experience in manipulating and analyzing large amounts of data to quickly draw conclusions using quantitative data and qualitative experience. (knowledge of data analysis software, AI and Machine Learning will be a +)Influencing Skills: Exhibit influencing skills and collaborate effectively across multiple levels of the enterprise to produce positive business outcomes with Customers and internal Business Partners.Adaptability and Flexibility: Adapt and remain flexible in dealing with evolving business needs. Effectively manage ambiguity.Prioritization and Time Management: Proven ability to meet tight timelines, estimate level of effort, multi-task, and prioritize workload required.Teamwork: Proven skill in promoting harmonious working relationships in a team environment to achieve departmental goals.Talent Culture: Promote a talent culture that values superior talent, drives performance, coaches transparently, and builds strong teams globally.  Continuous improvement attitude to seek out and implement best practices, lead projects, and meet all deadlines.Results Focus: Highly organized with a high degree of attention to details.  Push to drive personal and organizational results, make timely decisions, and benefit Ingredion globally.Shared Services Environment: Prefer prior experience in a Global Shared Services environment.Computer Proficiency: Strong computer skills including SAP, Salesforce, Microsoft Word, Excel (advanced), PowerPoint, and experience with new technologies to drive automation.Communications:  Excellent communication, customer service and organizational skills.  Exhibit a positive attitude and willingness to interact with Customers and Executive level Business Partners.  Presentation skills necessary to effectively communicate, update, persuade and facilitate discussions with all levels of Management, including the ability to translate analysis into clearly defined and supportable strategies and policies.Languages: Advanced written and spoken English is required to ensure effective communication with international clients and colleagues. Portuguese is desirable and considered a strong asset.

Relocation Available:

No