Senior Analyst, Credit Risk Management

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 a Senior Analyst, Credit in Customer Account Management, Customer Operations in Finance.

Greetings from your future manager

Be part of our journey in enhancing and innovating resilient and forward-thinking credit risk management at UPM! In this role, you'll play a vital part in balancing risk and opportunity, ensuring responsible credit decisions that support business growth. You will provide expert guidance, drive best practices in credit risk assessment and mitigation, and collaborate across teams and businesses to strengthen credit practices. If you’re passionate about credit risk, problem-solving, and mentoring others, we’d be glad to have you on board! – Paula Sydry, Director Customer Account Management.

What you will do

• Assess credit risk for assigned portfolios, including high-value and / or high-risk customers; conduct customer portfolio analysis on assigned business or countries

• Approve or recommend credit limits within authorized levels; engage in credit limit negotiations and customer interviews with Group Credit Management and / or credit insurers

• Monitor and manage credit risk across assigned customer portfolios, offering insights to recommend risk mitigation strategies

• Collaborate with Group Credit Risk Management in managing escalated cases

• Assist Group Credit Risk Management in preparing and presenting comprehensive credit reports and forecasts to management and credit insurer

• Lead cross-functional collaboration with Sales, Business Control and Group Credit Risk Management

• Guide and advise businesses on credit-related decisions, collaborate with Sales to enhance customer risk profile quality and optimize credit risks

• Mentor and guide Credit Analysts to encourage professional development and upskilling within the team

Who you are

• You have a bachelor’s degree in Finance, Accounting, Economics, or related field; advanced degree or certifications (e.g. CFA, FRM) are considered an asset

• You are a detail-oriented Credit Risk Analyst with 5 years of experience in evaluating financial risks and creditworthiness, with a focus on high-risk or high-value portfolios

• You are a finance professional with strong expertise and practical experience in establishing credit limits and monitoring customer payment behavior to optimize risk exposure

• You are an expert with in-depth knowledge and experience on B2B trade and trade credit insurance

• You are a results-driven professional with a proven track record of shaping credit decisions and process development in credit risk area

• You are a skilled expert with proficient analytical and mentorship skills, and polished presentation abilities

• You are a strong skilled communicator who collaborates effectively with Sales, Finance, and other stakeholders to align credit strategies with business objectives

• You are fluent in English

This is what we offer to 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 is located in UPM Business HUB Wrocław, Poland.

The position holder will report to Senior Manager, Customer Account Management.

Please apply via the link above and attach your CV and cover letter latest 30.04.2025. We review applications already during the application period, and you may be contacted already before the application deadline.

For support with submitting your application, please contact HR Service Center at careers@upm.com or tel. +48 12 399 94 99.

If you have any concerns about the recruitment and selection process, you can report those online through the UPM Report Misconduct channel using the link: https://www.upm.com/investors/governance/compliance/reportmisconduct/   

UPM is a global forest industry leader with headquarters in Finland. We create renewable and responsible wood-based alternatives for fossil-based materials utilizing our expertise in engineering, innovation and digitalization. In Poland, UPM is running two factories near Wrocław, a Human Resources Service Center in Kraków and UPM Business Hub at the heart of the city of Wrocław. At the moment, the Wrocław Hub brings together over 600 professionals in customer, supplier and financial services.

What makes us unique? The Finnish leadership culture encourages people in personal growth and self-development, and our values - trust and be trusted, achieve together, renew with courage – are visible in our everyday work. We are inspired by the limitless opportunities of the bioeconomy and we lead the way towards a future beyond fossils. Got interested? Join us on this exciting path! #growthwithUPM

If you wish to get more insight about who we are, check out this page!

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