Sr. Manager Insurance & Risk Management

Qcells; Santa Clara (CA); On-site; USD 187,000 - 233,000; Full time

Job summary

Hanwha Q CELLS America Inc. is seeking a Senior Manager of Insurance & Risk Management to oversee credit and risk management across HQCA and HES America.

You will lead lending decisions, establish credit limits, and develop scoring models to forecast credit exposure. Reporting to the Head of Corporate Finance, you will partner with Sales, Finance, Accounting, Treasury and Legal to implement robust risk controls, ensure compliance with pay transparency laws, and provide consolidated risk

Qualifications

• Bachelor’s degree in accounting or related field.
• 10+ years of risk management experience (B2C and B2B).
• Solid understanding of lending procedures.
• Experience in a multinational company preferred.
• Excellent verbal and written communication skills.
• Proficient in Microsoft Office suite (Excel, Word, Outlook).

Responsibilities

• Research and assess clients’ creditworthiness across HQCA and HES America.
• Develop and maintain credit scoring models and risk assessments.
• Review and decide on credit requests with sales teams.
• Set credit approvals, limits, and payment terms across businesses.
• Monitor accounts receivable and credit exposure.
• Coordinate with credit insurance to mitigate risk.
• Prepare consolidated credit-risk reports for senior leadership.

Skills

Credit risk management

Lending procedures

Credit evaluation

Communication skills

Team player

MS Office

Education

Bachelor’s degree in accounting or related field

Job description

Description

The Senior Manager of Insurance & Risk Management is responsible for overseeing credit and risk management activities across both HQCA and HES America. This position will lead the companies’ lending and credit evaluation processes, including assessing customers’ creditworthiness, reviewing and approving or rejecting credit requests, establishing credit limits and payment terms, and developing and maintaining credit scoring and risk assessment models.

The Senior Manager ofInsurance & Risk Management will ensure consistent credit and risk management practices across both organizations while balancing financial risk exposure with the commercial needs of the businesses.

Responsibilities

• Conduct research and assessment of clients’ creditworthiness across both HQCA and HES America.
• Develop and maintain credit scoring models and risk assessment methodologies to forecast credit exposure accurately across both businesses.
• Review and make decisions on credit requests, considering customer credibility, potential revenue, financial exposure, and risk, in partnership with the respective Sales Teams.
• Establish and maintain consistent credit approval standards, credit limits, and payment terms across HQCA and HES America, while accounting for the specific commercial needs of each business.
• Supervise and maintain the quality and accuracy of customer data within system-generated aging reports and Customer Master Records across both organizations.
• Monitor overall accounts receivable and credit exposure across HQCA and HES America, identifying trends, concentrations, and higher-risk accounts requiring escalation or mitigation.
• Manage accounts placed for third-party collection action and recommend bad debt write-offs when necessary.
• Liaise with credit insurance companies to assess customer risk, optimize coverage, and develop appropriate strategies to mitigate credit exposure.
• Organize and oversee customer meetings, as needed, to assess financial condition, business operations, payment risk, and overall creditworthiness.
• Maintain records of credit applications and work with customers and internal stakeholders to manage overdue accounts receivable.
• Partner with relevant teams, including Sales, Finance, Accounting, Treasury, and Legal, on bankruptcy matters, UCC filings, collections, and other financial or credit-related issues.
• Develop, review, implement, and periodically update credit policies, procedures, and controls to ensure consistent risk management practices across HQCA and HES America.
• Provide consolidated credit-risk reporting and recommendations to senior leadership regarding customer exposure, aging, bad debt risk, and other material credit concerns across both businesses.
• Perform other duties as assigned by the Head of Corporate Finance.

RequiredQualifications:

• Bachelor’s degree in accounting or a related field.
• Minimum of 10 years of risk management experience (B2C and B2B).
• Solid understanding of lending procedures.
• Previous experience in a multinational company is preferred.
• Excellent verbal and written communication skills, with the ability to articulate complex information clearly.
• Strong, self-motivated team player.
• Proficient in Microsoft Office suite, including Excel, Word, and Outlook.

Compensation:

In accordance with applicable pay transparency laws, the anticipated annual base salary for this position is:

• Zone 1 (Bay Area, NYC): $186,500 – $233,100
• Zone 2 (CA, NJ, NY): $169,500 – $211,900
• Zone 3 (All others): $154,100 – $192,600

The applicable salary range is based on the employee’s primary work location. Individual compensation will be determined based on qualifications, relevant experience, education, skills, internal equity, and other business-related factors.

Hanwha Q CELLS America Inc. (“HQCA”) is a Qcells company, one of the world’s largest manufacturers and providers of solar photovoltaic (PV) products and solutions. Headquartered in Irvine, California, HQCA has been rapidly expanding its business in North America through the expansion of products and solutions, including distributed energy solutions, direct-to-homeowner solar sales and financing, and EPC services. We provide an opportunity to be part of an exciting and growing world-class global business in an interesting and expanding industry of the future.

Thispositionrequirestheabilitytoperformtheessentialfunctionsoftheposition,withorwithoutreasonableaccommodation.Periodictravelandsitevisitsmayberequired.

The salary range is required by the California Pay Transparency Act and may differ depending on the location of those candidates hired nationwide. Actual compensation is influenced by a wide array of factors including but not limited to, skill set, education, licenses and certifications, essential job duties and requirements, and the necessary experience relative to the job’s minimum qualifications.

*This target salary range is for CA positions only and should not be interpreted as an offer of compensation.

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