Credit Risk Analyst, Mexico

3M has a long-standing reputation as a company committed to innovation. We provide the freedom to explore and encourage curiosity and creativity. We gain new insight from diverse thinking, and take risks on new ideas. Here, you can apply your talent in bold ways that matter.

Job Description:

Credit Risk Analyst, Mexico

Collaborate with innovative 3Mers around the world

As a Credit Risk Analyst, you will play a key role in maintaining credit risk parameters, analyzing the creditworthiness of existing and new customers, and identifying high-risk customers from your portfolio. In this role, you will track key Credit Risk metrics, identify opportunities for improvement, and interact with stakeholders to influence and build an action plan with Collections and the business team when a high risk customer is identified. The Credit Risk Management area belongs to Finance, and this position will be based in Mexico/ Brazil.

The impact you will make in this role

As a Credit Risk COE Analyst, you will have the opportunity to tap into your curiosity and collaborate with some of the most innovative and diverse people around the world. Here, you will make an impact by:

• Support the lead manager on credit analysis and risk rating of the portfolio, based on statistical models, and lead segmentation variables
• Monitors and proactively manages risk/exposures and compliance with policies for the credit risk portfolio. Support the global team with credit data analysis to formulate practical portfolio problem-solving models
• Participate in cross-functional teams to identify opportunities and support initiatives for process improvements, centralization, and standardization
• Monitor performance of AR credit quality and analyze AR performance, aging, trends, risk exposure and advise business leadership teams in actions to be taken. Supporting management reporting for KPIs
• Educate and advise business divisions on portfolio, customer credit risk and payment terms
• Work in collaboration with the CIR organization to implement frameworks and global governance policies. Review and approve requests related to credit limits or payment terms.

Your Skills and Expertise

To set you up for success in this role from day one, 3M is looking for candidates who must have the following qualifications:

• Bachelor's degree or higher (completed and verified prior to start) in business, finance, accounting, economics, mathematics, and/or statistics from an accredited institution
• Two (2) years of data analytics, data management and/or risk analysis experience in a private, public, government or military environment

Additional qualifications that could help you succeed even further in this role include:

• Experience in problem-solving, financial modeling, data analytics and data management
• Knowledge of financial statement analysis, bankruptcy laws, basic accounting techniques, and financial principles used in analyzing and interpreting the working capital impact of decisions regarding credit risk
• Skills include analytical reasoning, persuasive and assertive, adaptable, optimistic, innovative, collaborative, excellent written and verbal communication
• Experience in Credit and Collections is a plus

Work location:

• Work Location: This role follows an on-site working model, requiring the employee to work at least four days a week at the Mexico City office
• Travel: May include up to 10% domestic / international
• Relocation: Is not authorized

Supporting Your Well-being

3M offers many programs to help you live your best life – both physically and financially. To ensure competitive pay and benefits, 3M regularly benchmarks with other companies that are comparable in size and scope.

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Please note: your application may not be considered if you do not provide your education and work history, either by: 1) uploading a resume, or 2) entering the information into the application fields directly.

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