Credit Insurance Analyst

The Role
As a Europe Credit Insurance Analyst, you will join the European Headquarters Treasury team in a dynamic, international environment. Based in Warsaw, Poland and reporting to the Head of Treasury Europe, you will be responsible for daily credit control and credit insurance activities across multiple European countries.
You will play a key role in supporting Sales with pragmatic, commercially sound credit solutions, ensuring SOX compliance, and contributing to monthly and quarterly closing activities. A major focus of the role is driving automation, standardisation, and process optimisation, leveraging ERP systems and modern credit management tools to enhance efficiency, transparency, and control across the Europe region.

The Responsibilities
Compliance Management & Process Harmonization
•    Align and standardize credit and credit insurance processes across European countries in scope
•    Ensure compliance with company policies, internal controls, and SOX requirements
•    Prepare and analyse bi monthly debtor reports, ensuring accuracy and consistency
•    Maintain customer credit limits and manage close interaction with the credit insurer
•    Act as the primary point of contact for the credit insurer (Atradius)
•    Support continuous process improvement through automation and robust control frameworks

Credit Risk Assessment
•    Assess the financial stability and creditworthiness of new and existing customers
•    Coordinate new and existing credit limits with the Group Credit Manager
•    Proactively identify credit risks and propose structured, data driven mitigation actions

Sales & Commercial Support
•    Partner with Sales and Marketing to provide insights into customer performance and risk exposure
•    Manage and monitor customer credit lines and insurance coverage
•    Negotiate and develop creative, business oriented solutions together with Sales where coverage limitations exist

Collections & Dispute Support
•    Collaborate closely with local and central collections teams to manage overdue receivables
•    Support the resolution of complex credit issues and disputes while safeguarding company exposure

Reporting, Automation & Data Transparency
•    Simplify, standardize, and automate credit reporting within ERP systems (SAP and QAD)
•    Translate complex financial and credit data into clear, actionable management insights
•    Prepare and support management reporting on credit risk, insurance coverage, and exposure
•    Actively collaborate with the global credit insurance department

ERP Optimization & System Integration
•    Customize and optimize SAP and QAD functionalities to support evolving credit management needs
•    Streamline workflows and reduce manual interventions to drive efficiency
•    Lead and support the rollout of the SAP Credit Management Tool across Europe
•    Ensure effective integration and interaction between SAP and QAD

Fraud Prevention & Internal Controls
•    Collect and analyse data related to potential fraud risks
•    Perform regular reviews and audits of credit processes to identify gaps and improve controls
•    Contribute to the development of standardized anti fraud procedures
•    Support training to increase awareness of fraud risks, red flags, and compliance requirements

The Requirements
Education & Experience
•    University degree in Finance, Business Administration, Economics, or a related field
•    Proven experience in credit management using SAP and QAD ERP systems
•    Strong knowledge of credit insurance principles and trade incoterms
•    Solid understanding of credit management standards, compliance, and SOX controls
•    Demonstrated experience in process harmonisation, automation, and systems optimisation
•    Experience working on project based implementations and cross country initiatives

Skills & Competencies
•    Strong stakeholder management and influencing skills across functions
•    Excellent communication skills with the ability to balance commercial objectives and risk
•    Analytical, hands on, proactive, and solution oriented
•    Comfortable working in a fast changing, international environment

Languages
•    Fluent in spoken and written English