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Credit Portfolio Analyst
dodano: 23.02.2018      miejsce pracy: Krakow
Opis stanowiska

The Credit Portfolio Analyst is responsible for completing credit reviews for both new and existing customers including in-depth financial analysis, taking credit decision in line with authority matrix and providing recommendations for credit lines above in compliance with existing corporate policies. The jobholder works closely with our clients’ sales organization, the collections team and client customers to maximize revenue whilst minimizing risk of default.


  • Perform and manage credit and financial reviews with a focus on analysing data.

  • Maintain credit control timelines within Service Level Agreements (SLAs)/Key Performance Indicators (KPIs).

  • Validate customer requests for credit, assign credit lines and make credit recommendations and decisions in accordance with existing corporate credit policies, procedures and authority matrix.

  • Responsible for advanced customer portfolios and products.

  • Suggest risk mitigation tactics using detailed analysis.

  • Work closely with the Customer/Sales groups and assist with customer inquiries related to credit line increases.

  • Respond to and investigate credit related queries from internal and client teams.

  • Main point of contact for client queries including meetings, emails, meetings and sales interaction.

  • Assist in new process set up liaising with system and process point of contacts.

  • Act as an escalation point with focus problem solving and re-escalate issues and failures if needed.

  • Complete a regular review of processes within the Credit team and ensure knowledge is shared within the team.

  • Ensure that existing Credit practices are according to published procedures.




  • Bachelor Degree in Finance / Banking area.
  • Experience in a risk/credit.
  • Practical knowledge of in-depth financial analysis (Balance sheet, profit and loss account, cash flow statement, auditors’ notes).
  • 3 years of working experience.
  • Ability to assess customers’ business potential based on tools such as industry vertical, ratio and trend analysis.
  • Must be competent in Microsoft Office (all products).
  • Microsoft Excel to an intermediate level.
  • Excellent computer skills.
  • ACCA/CIMA/CFA certificate is desirable
  • Excellent communication and interpersonal skills.
  • Organised and efficient.
  • Team player with a positive attitude and a focus on business issues.
  • Ability to present findings in a highly professional manner.
  • Self-learner and knowledge sharing essential.
  • Strong ‘can-do’ attitude, willingness to step up and support.
  • Autonomous and independent with enthusiastic outlook essential.

  • Work for one of the most recognizable online Search Engine in multicultural office.
  • Unique office environment with great food, drinks and game rooms.
  • Full time employment contract, great salary and benefits.
  • Positive, energetic, innovative and proactive culture.

Dodatkowe informacje

Please add the following clause to your application: I hereby give my consent for the personal data included in my job application to be processed for the purposes of recruitment by Bertelsmann Media Sp. z o.o. with the seat in Warsaw, Arvato services branch, Al. Piastow 30, 71-064 Szczecin, as outlined in the Personal Data Protection Act as of 29 August 1997, consolidated text: Journal of Laws 2002 of the Republic of Poland, item 1182 with further amendments.

Podmiot odpowiedzialny za treści - Arvato Polska 2019
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