Credit and Collection Analyst

HP; Tlaquepaque; Presencial; MXN 240.000 - 420.000; Jornada completa

Descripción de la vacante

HP Mexico seeks a Credit Risk Analyst to assess customer credit limits and risk ratings using credit scores, while analyzing high-risk clients and preventing delinquencies. The role handles an Access database for deficiency accounts and reviews daily audit reports to resolve discrepancies.

The position negotiates initial payments, supports dispute resolution, ensures timely collections, and prepares research-driven reports, aligned with policy.

Formación

• Four-year or Graduate Degree in Business Administration, Economics, Finance, or related field.
• Typically has 2–4 years of work experience in collection, credit, banking, or related field.

Responsabilidades

• Evaluates and provides recommendations on customer credit limits and risk rating based on credit scores.
• Analyzes high-risk customers and devises account strategies to proactively prevent delinquencies.
• Creates and maintains an access database on deficiency accounts and collection activities.
• Reviews internal audit reports daily to ensure payments are allocated correctly and resolves discrepancies.
• Negotiates initial payments with customers and sales personnel to facilitate purchases beyond credit limits.
• Supports dispute resolution procedures with internal counterparts, ensuring thorough issue tracking and resolution.
• Ensures payments are collected in a timely manner and resolves issues preventing payment.
• Develops conclusions, recommendations, and written reports through research and data analysis to share knowledge.

Conocimientos

Credit Analysis

Risk Management

Data Analysis

SQL

Underwriting

Financial Statements

Educación

Bachelor's degree in Business Administration, Economics, Finance

Herramientas

SQL

Microsoft Access

Descripción del empleo

• This role is responsible for evaluating customer credit limits and risk ratings based on credit scores, while also analyzing high-risk customers and devising strategies to prevent delinquencies. The role manages an access database for deficiency accounts, reviews daily internal audit reports, and resolves discrepancies. The role negotiates initial payments, supports dispute resolution, ensures timely collections, and contributes to research-driven conclusions and reports, all while maintaining compliance with company policies and procedures.

Description

• This role is responsible for evaluating customer credit limits and risk ratings based on credit scores, while also analyzing high-risk customers and devising strategies to prevent delinquencies. The role manages an access database for deficiency accounts, reviews daily internal audit reports, and resolves discrepancies. The role negotiates initial payments, supports dispute resolution, ensures timely collections, and contributes to research-driven conclusions and reports, all while maintaining compliance with company policies and procedures.

Job Summary

• This role is responsible for evaluating customer credit limits and risk ratings based on credit scores, while also analyzing high-risk customers and devising strategies to prevent delinquencies. The role manages an access database for deficiency accounts, reviews daily internal audit reports, and resolves discrepancies. The role negotiates initial payments, supports dispute resolution, ensures timely collections, and contributes to research-driven conclusions and reports, all while maintaining compliance with company policies and procedures.

Responsibilities

• Evaluates and provides recommendations on customer credit limits and risk rating based on credit scores.
• Analyzes high-risk customers and devises account strategies to proactively prevent delinquencies.
• Creates and maintains an access database on deficiency accounts and collection activities.
• Reviews internal audit reports daily to ensure payments are allocated correctly and conducts research to identify and resolve any discrepancies.
• Negotiates on initial payments with customers and organization’s sales personnel, facilitating purchases beyond credit limits.
• Supports the dispute resolution procedures with internal organization’s counterparts, ensuring thorough issue tracking and resolution for both the organization and the customer.
• Ensures payments are collected in a timely manner and resolves issues and disputes that prevent customer payment.
• Develops conclusions, recommendations, and written reports, contributing proactively through research and data analysis support, and sharing knowledge to foster a knowledge management culture.
• Works independently on moderate scope problems, applying professional expertise, exercising judgment, and resolving various issues by following company policies and procedures.

Education & Experience Recommended

• Four-year or Graduate Degree in Business Administration, Economics, Finance, or any other related discipline or commensurate work experience or demonstrated competence.
• Typically has 2-4 years of work experience, preferably in collection, credit, banking, or a related field or an advanced degree with little or no work experience.

Preferred Certifications

• Certified Accounts Payable Professional (CAPP)
• Certified Professional in Credit and Collections (CPCC)

Knowledge & Skills

• Accounting
• Auditing
• Credit Analysis
• Credit Risk
• Credit Risk Management
• Data Analysis
• Due Diligence
• Economics
• Finance
• Financial Analysis
• Financial Services
• Financial Statements
• Loans
• Marketing
• Portfolio Management
• Risk Analysis
• Risk Appetite
• Risk Management
• SQL (Programming Language)
• Underwriting

Cross-Org Skills

• Effective Communication
• Results Orientation
• Learning Agility
• Digital Fluency
• Customer Centricity

Impact & Scope

• Impacts immediate team and acts as an informed team member providing analysis of information and limited project direction input.

Complexity

• Responds to routine issues within established guidelines.

Disclaimer

• This job description describes the general nature and level of work performed in this role. It is not intended to be an exhaustive list of all duties, skills, responsibilities, knowledge, etc. These may be subject to change and additional functions may be assigned as needed by management.

Job

Finance

Schedule

Full time

Shift

No shift premium (Mexico)

Travel

Relocation

Equal Opportunity Employer (EEO)

HP, Inc. provides equal employment opportunity to all employees and prospective employees, without regard to race, color, religion, sex, national origin, ancestry, citizenship, sexual orientation, age, disability, or status as a protected veteran, marital status, familial status, physical or mental disability, medical condition, pregnancy, genetic predisposition or carrier status, uniformed service status, political affiliation or any other characteristic protected by applicable national, federal, state, and local law(s). Please be assured that you will not be subject to any adverse treatment if you choose to disclose the information requested. This information is provided voluntarily. The information obtained will be kept in strict confidence. For more information, review HP’s EEO Policy or read about your rights as an applicant under the law here: “Know Your Rights: Workplace Discrimination is Illegal"