Accounts Receivable Analyst

HMD; Warszawa; On-site; PLN 120,000 - 180,000; Full time

Job summary

HMD in Warsaw seeks a skilled Credit Analyst to join our Europe team. You will support credit management, optimize collections, and ensure accurate customer master data within ERP and SAP systems.

The role collaborates with global credit teams and local operations to manage risk, monitor payment performance, and drive cash flow efficiency across markets. English fluency is essential.

Qualifications

• BS/BA degree with at least 5 years in credit in a global environment.
• Experience in collections or accounts receivable processes.
• Solution-focused with ability to handle complexity.
• Strong communication and presentation skills for senior management.
• Ability to meet targets and deadlines; independent and trustworthy.
• SAP experience is a plus.
• Financial and business acumen.
• English proficiency (written, spoken, reading).

Responsibilities

• Credit management support and customer finance solutions.
• Collections to ensure on-time payments with daily/account status review.
• Validate customer credit limits in collaboration with operations.
• Coordinate with Global Credit and local teams on collateral.
• Maintain customer master data in ERP/SAP.
• Monitor cash flow and follow up on financing programs.
• Prepare weekly/bi-weekly customer statements.
• Assist internal/external audits with data requests.
• Produce compliance reports and file documentation.

Skills

Credit management

Collections

ERP experience (SAP)

Analytical thinking

Communication skills

Problem solving

Integrity

English proficiency

Education

Bachelor's degree in a relevant field

Tools

SAP

Job description

At HMD, we are transforming the mobile industry by delivering mobile and connectivity solutions that bridge the digital divide. From feature phones to smartphones, we create family-friendly devices that empower the disadvantaged and safeguard young users, we produce devices that champion secure, European-made technology and we offer affordable, exciting alternatives to the norm in all our markets.

Since launching our first Nokia-branded devices in 2016, we’ve continually evolved our portfolio, introducing reborn classics, repairable smartphones, enterprise-ready devices, and mission-critical solutions. In 2023, we turned a new page with the introduction of HMD-branded phones. In 2024, we celebrated exciting partnerships: The Barbie Phone with Mattel, The Boring Phone with Heineken, and of course our vibrant collaboration with Barcelona FC. We launched the HMD Pulse portfolio and partnered with Xplora, bringing bold, family-friendly innovation to the forefront.

Our goal is simple: to create phones you’ll want to keep around. Phones that are tough, fun, secure, fast, and affordable delivering the whole package. With operations spanning over 40 countries and a gloriously diverse team, we’ve achieved EcoVadis Platinum status, proving our commitment to sustainability and excellence in a highly competitive marketplace.

We are now looking for a motivated finance professional to lead the Credit Analyst role in Europe, based out of Warsaw, Poland.

Main responsibilities in collaboration with global credit team and local teams include:

• Credit Management including the support in customer finance solutions.
• Collection of receivables to ensure on-time payments – daily analysis and review of customer account status.
• Ensure adequacy/validity of customer credit limits e.g., by communicating effectively with customer/operations teams.
• Working closely with Global Credit team while following up on customers collateral issuance and renewal.
• Orders releases in Sales ERP credit check – including request for exception approval.
• Responsible for the accuracy of customer master data in ERP system.
• Handling finance incentive calculation and communication.
• Responsible for refund assessment and processing.
• Cashflow management for the Areas where IHL mode of business.
• Following up with customers using SOR (Sales of Receivable) or other financing programs that payments are received as per expectations.
• Extraction and issuing of customer Statement of Account on weekly / bi-weekly frequency.
• Communication of payment shortfall for order release.
• Submission of clearing instruction to Cash Apps team.
• Record and follows up on disputes to ensure timely resolution.
• Running compliance reports and processes and documentation filing and storage.
• Assist with internal and external audit data requests.

Skills & Qualifications:

• BS/BA degree with min. 5 years working experience in Credit function in global environment (Understanding of the other related processes/areas is an advantage).
• Experience and knowledge of collections or accounts receivable processes.
• Solution-oriented and problem-solving mindset and the capability to understand and lead complexities.
• Strong communication skills and the ability to effectively present recommendations to senior management.
• Ability and willingness to achieve own and team’s targets and timelines.
• Integrity and independency are your strong features.
• Earlier experience on SAP is considered as an asset.
• Financial and Business acumen.
• English proficiency (written, spoken and reading) is a must.