Senior Credit

**About Us**
We’re the world’s leading provider of secure financial messaging services, headquartered in Belgium. We are the way the world moves value – across borders, through cities and overseas. No other organisation can address the scale, precision, pace and trust that this demands, and we’re proud to support the global economy.


We’re unique too. We were established to find a better way for the global financial community to move value – a reliable, safe and secure approach that the community can trust, completely. We’re always striving to be better and are constantly evolving in an ever-changing landscape, without undermining that trust. Five decades on, our vibrant community reflects the complexity and diversity of the financial ecosystem. We innovate diligently, test exhaustively, then implement fast. In a connected and exciting era, our mission has never been more relevant. Swift now has a presence in 200+ countries and legal territories to serve a community of more than 12,000 banks and financial institutions.


**Responsibilities:**

- Own and be accountable for assigned accounts and resolve timely overdue debts.
- Follow-up and convince customers for overdue payments.
- Manage strategically credit and debit amounts to minimize risk of overdue, as well as reduce the potential refunds.
- Manage refund request on timely and compliant way.
- Respond to client account queries in a timely and professional manner.
- Works with all necessary stakeholders to resolve hold/release sales orders in accordance with internal rules and policies.
- Perform opportune Credit checks applying Credit policy and adequate strategy.
- Implement and supervise time-line of credit extension, to avoid unexpected peak of overdue linked to CE expiry.
- Seek and implement effective collection techniques.
- Monitor aging balances and recommend write offs.
- Prepare monthly overview/reporting.
- Perform all administrative duties to ensuring daily operations efficiency.
- Assist in enforcing and monitoring the team adherence to policies & procedures to team’s ensure compliance at all time.
- Contribute providing necessary audited information during periodic audits and respond timely to requests accordingly.
- Identify inefficiencies and propose, develop and document new concepts or procedures.
- Contribute to the improvement of existing systems, and/or implementation of new systems.
- Play a role model for other team members.
- Meet targeted monthly overdue KPI's, with the ultimate target to reach the defined annual maximum ratio as per Sr. Finance management expectations.

**Knowledge and skills expertise:**

- A bachelor's degree in accounting/finance, or equivalent knowledge
- At least 5 years of experience as accounts receivable specialist, preferably in the finance/banking industry
- Fluency in daily Account Receivables operations practices
- Familiar with accounting and treasury basics, linked to account receivables responsibilities
- Very good analytical skills, with proficiency in the Microsoft Office suite of products, particularly Excel.
- Accurate and quality oriented with a strong process minded and adherence to policies
- Ability to work independently
- Excellent verbal and written communication skills, and ability to drive negotiations
- Fluent in English: spoken and writing. A second language is a must, and a third language is welcome (Desired languages: French, Portuguese/Spanish)
- Strong interpersonal skills and ability to establish strong networking within a company active in a very multicultural environment
- Strong interest to understand Swift products and services and how the overall customer experience affects payment behaviours
- Interest in working with banking systems – understand payment methods trends
- Team player
- SAP knowledge is a must (preferably recent modules such as S/4, BRIM and Fiori)

Working hours:


Based on country/sub-region assignment, flexibility is required to adapt to the need to serve client accounts in their time zone/location. This may include adapting to Europe time schedule.


**What We Offer**
We put you in control of career


We give you a competitive package


We help you perform at your best


We help you make a difference


We give you the freedom to be yourself


*We give you the freedom to be yourself. We are creating an environment of unique individuals – like you – with different perspectives on the financial industry and the world. A diverse and inclusive environment in which everyone’s voice counts and where you can reach your full potential.*
*If you believe you require a reasonable accommodation to participate in the job application or interview process, please contact us to request accommodation.*
*Don’t meet every single requirement? At Swift, we are dedicated to building a workplace where people can bring their full selves and ideas to the team, so if you are excited about this role, we encourage you to apply even if you do not meet every single qualification.*