EMEA Credit Analyst (#1505497)

At HP, we believe in the power of ideas. We use ideas to put technology to work for everyone. And we believe that ideas thrive best in a culture of teamwork. That is why everyone - at every level in every function, is encouraged to have original ideas, to express them and to share them. We trust anything can be achieved if you really believe in it, and we will invest in your ideas to change lives and the way people work. This vision is what sets us apart as a company. At HP we work across borders, and without limits. Global virtual teams share resources and pool their big ideas to solve business issues and meet personal goals. Everyone is valued for the unique skills, experiences and perspective they bring. That’s how we work at HP. And this is how ideas and people grow.

HP is a proven leader in personal systems and printing, delivering innovations that empower people to create, interact, and inspire like never before. We leverage our strong financial position to extend our leadership in traditional markets and invest in exciting new technologies.
HP has an impressive portfolio and strong innovation pipeline across areas such as:
• blended reality technology - our unique Sprout by HP will change the way people do things
• 3D printing
• multi-function printing
• Ink in the office
• tablets, phablets, notebooks
• mobile workstations

We’re looking for visionaries who are ready to make an impact on the way the world works. At HP, the future’s yours to create!

Knowledge and Skills
• Strong written and verbal communication, negotiation, and conflict resolution skills.
• Developed accounting knowledge.
• Solid problem solving skills.
• Good computer skills.
• Developed prioritization skills.
• Solid understanding of risk mitigation tools.
• Basic relationship building skills.
• Basic influence skills.
• Basic project management skills.
• Basic leadership skills.
• Advanced understanding of collection processes, financial principles and channel partners.
• Advanced understanding of HP's dispute management process.
• Strong understanding of collection processes and financial concepts.
• Strong understanding of customer's internal payment processes.
• Strong influence skills.
• Command of 1-2 European languages in addition to English and Romanian languages.
Impact/Scope
• Impacts external on-going customers.
• Ability to influence high value of credit grants or collections.
Qualifications
Education and Experience Required
• First level university degree with a focus in business or economics; MBA preferred.
• Typically 4-6 years of experience in credit internally or in banking; or in collection.

EMEA Credit Analyst Central Team Bucharest
Within HP we support our business units with credit services supporting to maximize revenue while minimizing write-offs. We have a small team located in Bucharest supporting the country / sub-region credit managers in their tasks especially concentrating on the risk evaluation of medium sized direct customers or channel partners. Typically a credit analyst in the central team is working on a portfolio of customers for a specific country cluster. While English is our business language the knowledge of 1-2 additional European languages would be a benefit.
The credit analyst is reporting into the EMEA Credit Manager for the Central Bucharest Team located in Bucharest as well.
While the job has a focus on credit analysis and risk protection a close collaboration with the cash collections teams is necessary as the EMEA credit analyst often is also the first escalation level in case of nonpayment from customers or channel partners.

Responsibilities
• Uses financial statements to independently determine the financial condition of customers and decides credit limit recommendations for medium monetary value customers.
• Manages accounts of customers with medium credit limits independently.
• Resolves credit issues independently.
• Presents credit recommendations to management.
• Negotiates down payments with customers of and HP sales staff to allow customer to purchase above their credit limit.
• Analyzes and researches customer's receivables account delinquency and determines the type of communication method to facilitate payment.
• Resolves disputes related to customer payment on delinquent accounts and negotiates and ensures payment from customer.
• Recognizes trends for non- payment and resolves the issues by engaging internal partners at all levels.
• Initiates the dispute resolution process with internal HP partners and follows issue and ensures resolution for HP and customer.
• Analyzes at-risk customers and partners and recommends account strategies to prevent delinquencies.
• May train new team members.
• Education and Experience Required
• First level university degree with a focus in business or economics; MBA preferred.
• Typically 4-6 years of experience in credit internally or in banking; or in collection