Analyst / Senior Analyst, Credit Risk Management

at  UPM

Would you like to join a global, growing company that innovates for a more sustainable tomorrow? UPM could be the team for you. We are frontrunners in developing renewable alternatives to fossil-based materials. Besides enabling both businesses and consumers make more sustainable choices, we strive to create a positive UPM experience for all our employees around the world. We live by our values – trust and be trusted, achieve together, renew with courage. Join us in creating a future beyond fossils!
We are now looking for Analyst or Senior Analyst, Credit Risk Management to join our Credit Risk Management team for a permanent position. The position is located in Helsinki.
Greetings from your future manager:
“We work with modern tools emphasizing the operational efficiency and continuous end to end development to enable our teams to focus on the most value-adding activities in influencing and guiding the UPM Businesses, for example in B2B credit risk management.
In this position you’ll get to co-operate with customers, colleagues and stakeholders across finance and business organizations globally enabling professional growth within and beyond the Customer-to-Cash operations and processes.
This is a great opportunity for you to join our international team with global scope!” - Tero Haapiainen, Senior Manager, Credit Risk Management
What you will do
The position holder is responsible for customer credit risk identification and mitigation within a designated customer portfolio.

Your main tasks are:

• Being responsible for credit risk analysis of designated customer portfolios
• Driving customer risk profile quality to reduce credit risks together with sales
• Delivering timely and high-quality reporting for business areas and credit insurer
• Supporting and steering businesses in credit related decisions
• Participating in credit limit negotiations and customer interviews with credit insurer
• Actively performing and following up the compliance of defined internal controls
• Participating in credit process development and continuous improvement activities together with other customer operations in finance and business teams
• Daily co-operation with UPM’s global Sales Teams, Customer Service, Collections and other internal and external stakeholders

Who you are

• You have master’s degree in economics, finance, or similar education
• You have at least 1-3 years of relevant experience in international credit risk management or similar
• You have strong analytical capabilities and solid understanding on financial analysis, as well as solution-oriented and problem-solving mindset
• You have in-depth knowledge and experience on B2B trade and trade credit insurance
• You have good cooperation skills, and you are used to working in a global matrix organization
• You have good negotiation skills, as well as very good communication and presentation skills
• You are fluent in English, other language skills are an asset
• You are used to work in a fast-paced environment and are willing to travel to UPM business and customer sites globally

This is what we offer for you

• A meaningful job – We have an inspiring purpose ‘We create a future beyond fossils.’ Our work is impactful and transformative.
• A caring community – Our community is built on great team spirit and shared commitment. We care about each other and the well-being of our colleagues. We support the work-life balance of all our employees.
• Development opportunities – We offer you great opportunities to learn and grow throughout your career. We are an international, multi-business organization offering plenty of avenues for personal growth.
• Responsible employer - Sustainability is at the core of everything we do. We are committed to ambitious, science-based sustainability targets in all areas from climate change to biodiversity. We foster diversity and inclusivity, offering a work environment in which everyone can be themselves.

Learn about our
Rewarding
and our
Ways of working
Additional information
The position holder will report to Tero Haapiainen, Senior Manager, Credit Risk Management, Customer Operations in Finance, Finance & Control.
For further information, please contact Tero Haapiainen at email:
tero.haapiainen@upm.com
or tel. +358503415592 (on April 11th at 11 AM, or April 23rd at 2 PM EET).
Please apply and attach your CV and cover letter including your salary request by 28.04.2024. Please notice that we will go through the applications already during the application period and may invite candidates for interviews already before the end of the application period.
For support with submitting your application, please contact the HR Service Center at tel. +358204146600 or
careers@upm.com
.
A security background check may be performed for those selected to UPM positions, in accordance with the company recruitment guidelines and the Security Clearance Act 726/2014.
UPM is a non-smoking workplace in Finland.
UPM Credit Risk Management team is responsible for customer credit risk portfolio and credit limit management and risk mitigation activities for all UPM Business Areas and regions as a part of UPM Customer Operations in Finance, a global function providing financial expertise for all UPM businesses and functions. We as an organization drive to be operationally efficient, performing on the highest level to deliver our very best to both internal and external customers and stakeholders.

• Being responsible for credit risk analysis of designated customer portfolios
• Driving customer risk profile quality to reduce credit risks together with sales
• Delivering timely and high-quality reporting for business areas and credit insurer
• Supporting and steering businesses in credit related decisions
• Participating in credit limit negotiations and customer interviews with credit insurer
• Actively performing and following up the compliance of defined internal controls
• Participating in credit process development and continuous improvement activities together with other customer operations in finance and business teams
• Daily co-operation with UPM’s global Sales Teams, Customer Service, Collections and other internal and external stakeholder