Credit Analyst

About HMD

HMD specializes in revolutionizing the mobile sector by providing mobile and connectivity solutions that help bridge the digital divide. The company manufactures a range of phones from feature phones to smartphones, focusing on family-friendly devices that empower disadvantaged groups and protect young users. Their offerings prioritize secure, European-made technology and provide affordable, innovative alternatives across various markets. Since introducing Nokia-branded devices in 2016, HMD has expanded its portfolio to include reborn classics, repairable smartphones, devices suitable for enterprise use, and critical mission solutions. In 2023, they introduced HMD-branded phones and in 2024 launched notable collaborations including the Barbie Phone with Mattel, The Boring Phone with Heineken, and a vibrant partnership with Barcelona FC. The HMD Pulse lineup and a partnership with Xplora underline their commitment to bold, family-friendly innovation. Operating in over 40 countries, HMD has earned EcoVadis Platinum status, reflecting their dedication to sustainability and excellence.

Role Overview

The company seeks a driven finance expert to fill the Credit Analyst position within the AMEA region, reporting directly to the AMEA CFO. This role involves collaboration with both the global credit team and local units to oversee credit management and support customer finance solutions.

Key Responsibilities

• Manage credit processes including customer finance solution support.
• Monitor and collect receivables ensuring timely payments through daily assessment of customer account statuses.
• Validate and adjust customer credit limits by liaising closely with customers and operational teams.
• Coordinate with the Global Credit team on issues like customer collateral issuance and renewals.
• Process order releases in the Sales ERP credit system, including exception approval requests.
• Maintain precise and updated customer master data within the ERP system.
• Manage finance incentive calculations and communication effectively.
• Evaluate and process refund requests accurately.
• Oversee cash flow for areas operating under the IHL business model.
• Follow up on payments using Sales of Receivable (SOR) or other financing programs to ensure receipt as expected.
• Generate and distribute customer Statement of Accounts weekly or bi-weekly.
• Communicate payment shortfalls affecting order releases promptly.
• Submit clearing instructions to the Cash Applications team.
• Track and resolve disputes to ensure timely clearance.
• Run compliance reports, maintain documentation filing, and ensure proper storage.
• Assist with internal and external audits by providing required data promptly.

Qualifications and Skills

• Bachelor’s degree (BS or BA) with at least five years of experience in credit functions within a global environment.
• Understanding of related financial processes and areas is advantageous.
• Experience in collections or accounts receivable operations.
• Solution-oriented mindset with strong problem-solving abilities to manage complex tasks.
• Excellent communication skills, capable of delivering well-founded recommendations to senior management.
• Strong commitment to meeting individual and team objectives and deadlines.
• Integrity and independence are key personal traits.
• Familiarity with SAP is a valuable asset.
• Sound financial and business insight.