Credit & Collections Expert (m/f/d)

As Credit and Collections Expert you will be reporting to Team Lead in the GBS O2C team based in Poland.  As a candidate you should have excellent language skills and an international mindset.

• Customer Risk Assessment and Credit analysis 
• Continuous Improvement & Project Coordination (incl. Standardization & Harmonization)
• JSOX Controls and Compliance
• Maintain a High Level of Service with all Business Partners

• Strong understanding of the end-to-end O2C process, including cash collection, cash application, sales order release, credit and risk management, trade finance collaterals, bad debt management, and reporting
• Conducting customer risk assessments and credit analysis, including coordination of credit limit requests and providing recommendations to minimize commercial risk
• Monitoring overdue accounts and coordinating follow-up actions with local markets to address areas of concern
• Managing the release of blocked sales orders in line with local and global Credit Policy
• Coordinating claims management with Sales and Customer Service to ensure timely and accurate resolution of discrepancies
• Leading and coordinating month-end activities in line with the agreed schedule, including aged receivables review, balance sheet reconciliation, cash forecasting, periodic reporting, bad debt provisioning, DSO tracking, key account reconciliations, and factoring
• Preparing month-end closing materials, including variance analysis and clear explanations of key movements
• Acting as a Project Coordinator within the Credit & Collections function, driving system implementations, process improvements, and transformation initiatives in collaboration with cross-functional teams
• Monitoring project progress, managing timelines, and ensuring successful delivery of key objectives
• Ensuring compliance with all company policies, procedures, and internal controls
• Supporting management with ad hoc queries, analyses, and information requests

• Minimum 3+ years of experience in Credit & Collections or a similar role
• Experience in a multi-country environment, preferably within Shared Services or BPO
• Proven experience in cash collection, credit risk management, and credit analysis
• Bachelor’s or Master’s degree in Finance, Accounting, or a related field
• Certification in International Credit Management or Trade Finance instruments is a strong advantage
• Experience in team management, supervision, or mentoring of junior team members is a plus
• Excellent English (written and spoken); additional languages are an asset
• Very good understanding of IT systems and tools (Excel, Outlook, PowerPoint, Word)
• Strong SAP knowledge is a must
• Good knowledge of trade finance instruments and collaterals (e.g. letters of credit, bank guarantees, promissory notes)
• Strong analytical skills with the ability to identify and solve problems quickly and effectively
• High level of accuracy and attention to detail
• Strong communication skills, with the ability to collaborate across teams and stakeholders
• Self-driven, well-organized, and able to work independently in a fast-paced environment
• Ability to manage multiple priorities and deliver under pressure
• Persistent, proactive mindset with a “can-do” attitude
• Team player with a collaborative approach

• Competitive pay and attractive annual bonus
• On-going development opportunities in a multinational environment, a wide variety of projects, ambitious goals, and independence in achieving them.
• Freedom with responsibility (we trust your competencies, ability to manage your time and your scope of work)
• Lot of flexibility in terms of work arrangements (work from the office or from home)
• Private medical care (various options to choose) and life insurance
• Employee pension and savings programs
• JTI Family Leave Benefit – including extended paid paternity leave and fully paid maternity leave
• Multisport card, foreign language classes
• Wide variety of training, webinars, and professional courses on our e-learning platforms, including sponsored certification programs (for employees fulfilling the admission criteria)
• Modern office with traditions (Art Norblin Factory) in a convenient location, equipped with a library, mindfulness zone, spacious kitchen, garden terrace, massage chairs and underground bicycle parking
• Working in a diverse and inclusive organization of 43 different nationalities