Group Credit Senior Analyst

at  Viva Energy Australia

Company Description
A career with Viva Energy is more than just a job. It’s an opportunity to be part of something bigger. Join a team committed to supporting our evolving energy needs as we help to build a secure and sustainable energy future. Our plans for the future support a transition to sustainable, lower carbon energy solutions. We’re also developing our convenience and mobility division, with our recent acquisitions of Coles Express and OTR positioning us as one of the leading national convenience retailers. At the heart of our plans is people power. People who want to grow and evolve with us. People with the brightest minds, boundless energy, new perspectives and the passion to take Viva Energy and their careers forward.
Will you be part of the solution?
Job Description
This position is responsible for the overall governance and reporting across the credit function including maintaining Credit Risk Policy/Frameworks. The position plays a key risk role providing business analytics, process automations and overall credit reporting for the Group. This role also provides credit analysis support for Energy & Infrastructure (E&I) business including managing credit risk, establishing credit limits, negotiating, monitoring and controlling security, approving over-credit-limit orders, and coordinating credit submissions for E&I business tenders.

QUALIFICATIONS

• Tertiary qualification in commerce or business related (CPA/CA preferred)
• Previous credit experience (minimum 5 years) in large corporate or financial institution
• Have acquired knowledge on tax, GST, securities, company accounting standards, court / legal process, collection process, receivership, administration, liquidation, bankruptcy, commercial credit regulation and law, privacy act
• Business information systems / credit management and integration project experience (preferred but not required)
• Ability to analyse financial information and assess credit worthiness and manage credit risk across the portfolio
• Proficient in large ERP system (JDE/SAP), Microsoft packages and one or more Credit Control Systems (i.e. Equifax), Power BI (preferred)
• Proven liaison and negotiation skills and the ability to represent the Company with sensitivity in customer contact situations
• Ability to ensure that problems are efficiently and effectively resolved working closely with the Accenture Revenue team to the satisfaction of the customer and in accordance with Company Delegation of Authorities
• Strong analytical/automation and problem solving abilities
• Ability to communicate and work effectively with both internal and external customers
• Strong sense of urgency, proactive and assertive
• Ability / flexibility to deal with continuous change and effectively manage competing multiple priorities
• Self-motivated with strong organizational skills
  Additional Information

ABOUT US

It’s an exciting time to join Viva Energy, as we play our role in securing Australia’s fuel supply while preparing for the lower carbon energies of tomorrow. Our goal is to support the world’s evolving energy needs and achieve net zero by 2050.
Did you know that Viva Energy is a leading convenience retailer, commercial services and energy infrastructure business, with a history spanning more than 120 years in Australia? The Group operates a convenience and fuel network of more than 700 stores across Australia, and exclusively supplies Shell fuels and lubricants to a total network of more than 1,300 service stations.
Viva Energy owns and operates the strategically located Geelong Refinery in Victoria, and operates bulk fuels, aviation, bitumen, marine, chemicals, polymers and lubricants businesses supported by more than 20 terminals and 60 airports and airfields across the country.
Our culture
Join a team that values diversity. Viva Energy is a great place to be yourself. We believe in our people, trust in their positive intentions, and empower everyone to amplify their voice across the business. We value inclusion because that’s how we get the best outcomes.
Awarded the WGEA Employer of Choice for Gender Equality five years in a row highlight that we are driven by our people and continuing our focus on making Viva Energy reflect the ever-changing face of Australia.
We welcome applicants from diverse backgrounds including Aboriginal and Torres Strait Islander people and encourage and support diversity in our traditional and non-traditional roles.
At Viva Energy Australia, we believe flexibility is the new normal. So much so that we have developed and embedded our flexible working philosophy called ‘Viva Flex’. We are open to flexibility options including part-time, job-share and flexibility in start and finish times. We are happy to explore what this could look like for you during the recruitment process

Accountabilities

• Maintain a commercial outlook whilst minimising risk to an acceptable level
• Operating credit committee meetings, sub-process meetings (credit assessment and collections)
• Ensure all actions taken comply with the Companies Credit Management Policy and the Delegation of Authorities
• Coach and assist in development of Assistant Analysts in credit risk learning

Credit Risk Policies & Frameworks

• Develop, maintain and provide guidance on credit risk policies, procedures, and frameworks in alignment with industry best practices
• Monitor and assess the effectiveness of existing risk management frameworks and recommend improvements as necessary
• Promote a strong risk culture by fostering awareness and understanding of credit risk management principles

Credit Risk Assessments & Monitoring

• Conduct regular credit reviews and assessments, monitor credit exposures, including recommending/negotiating risk minimisation strategies
• Attend external/virtual customer meetings and act as the Credit business partner for E&I portfolio
• Authorise as per Delegation of Authorities, when to take action such as stop credit / restructures or involve a third party
• Liaise with Senior Credit Analyst to diarise the over credit exposure across the group
• Continuous monitoring of the external environment impacting the credit risk landscape (i.e. stock exchange alerts through Refinitiv)

Reporting and Analytics

• Credit Master Data review & maintenance (JDE & Power BI) by working alongside various teams
• Assist/Support/Lead various automation projects including JDE credit process improvement , cyber security related to confidential credit data transmission and streamlining internal credit risk assessment template
• Support the credit limit increase and credit bureau alerts automation for the Shell Card portfolio with the Consumer & Mobility (C&M) division
• Liaise with the extended credit group for timely submission of the Board papers for credit limit approvals
• Management of internal and external audit information

Credit Offshore Function

• Oversee an offshore credit team for day to day functioning of the offshore credit work responsibilities
• Closely manage the SLA or work assignments status including periodic credit reviews

Credit insurance

• Partner with external Credit Insurance Brokers and Underwriters
• Manage renewal of Credit Insurance Policy, yearly basis, to secure competitive pricing and policy terms
• Submit quarterly customer limit files and individual customers credit limit for insurer, responding to queries

Credit Bureaus

• Maintain a collaborative partnership with various Credit Bureau and assist in yearly renewal of the agreements including on boarding latest/relevant credit risk mitigation products/services

Accountabilities

• Maintain a commercial outlook whilst minimising risk to an acceptable level
• Operating credit committee meetings, sub-process meetings (credit assessment and collections)
• Ensure all actions taken comply with the Companies Credit Management Policy and the Delegation of Authorities
• Coach and assist in development of Assistant Analysts in credit risk learnings