Credit Analyst (Strategic Operations & Data Insights)

Credit Analyst (Strategic Operations & Data Insights)

Als Credit Analyst (Strategic Operations & Data Insights) bei L’Oréal Benelux unterstützt du das Multidivision-Team am Standort Hoofddorp.

About L’Oréal

L'Oréal has been a world leader in the cosmetics business for more than 100 years and has grown into one of the largest FMCG companies in the world. With international brands such as L'Oréal Paris, Garnier, Kérastase, Redken, Lancôme, Yves Saint Laurent, La Roche-Posay and Vichy, we offer relevant products for every consumer. The brand-new and highly sustainable office in Hoofddorp forms the Benelux headquarter.

Your main responsibilities:

• Enforce the local credit policy with the Credit team and relevant stakeholders
• Coordinate all credit related activities policy to ensure a clear and risk optimum process for customers and L’Oréal
• Reporting to Multidivision Credit Manager

Your Mission:

Credit risk management

• Manage & analyze credit risk of your customer portfolio
• Assign Customer Credit Limits and manage local credit insurance
• Ensure customer credit master data setup is accurate
• Monitor local credit KPIs and find opportunities to drive improvement
• Inform internal stakeholders of potential credit issues
• Credit assessment of new and existing customer accounts

Order Validation

• Manage the blocking and releasing of orders with credit issues
• Anticipate & act on credit blocks that would impact business results
• Retrospectively analyze blocked orders & propose improvements

Impairment of account receivables

• Bad Debt customer identification
• Calculate statistical and customer specific Bad Debt provisions

Continuous improvement

• Enforcement of payment terms
• Animate favorable ways of payment: direct debit, QR codes, etc.
• Share best practices with EU Zone countries
• Use local expertise (tax, legal, etc.) to find local best practices
• Collaborate closely with the customer facing, order to delivery teams and key business stakeholders involved in the process (sales)

KPIs:

• Credit KPI’s
• Customer Accounts Receivables Statutory requirement
• Untouched Order Rate (credit block)

Your Deliverables:

• Ensure the proper application of Company Credit Norms and Local Credit Policy
• Ensure compliance with local legislation
• Ensure efficient Credit risk management
• Drive improved KPI’s

Skills, Attitude & Knowledge

• Master’s degree
• English (mandatory), Dutch (highly recommended), and French (optional).
• Delivery excellence
• IT Tools utilisation
• Problem Solving: proactive communication
• Problem Solving: Solution Oriented mindset
• Stakeholders management: Conflict management

What do we offer?

When you start at L'Oréal, you get a great deal of responsibility from day one. To develop, we offer an introduction program and an individual training program. Training can be local or at the global headquarters in Paris. An enriching experience where you will meet international peers.

And furthermore, you will find with us:

• An inspiring work environment with ambitious colleagues, where working Agile is applied
• A healthy career perspective with interesting development opportunities
• A competitive salary which is adjusted on an annual basis in case of good performance
• Good secondary employment conditions, such as a 13th month, profit sharing, discount on medical expenses and a favorable pension scheme
• Discounts on L'Oréal products
• Nice extras such as various L’Oréal sporting activities and events

Finally, a great added value of working at L'Oréal is that you will be working with so many different people and functions. This offers you the opportunity to broaden your knowledge about different stakeholders.