Senior Field Credit Analyst – Team Leader

Company Description

At Coface, we’ve been managing credit risk for more than 75 years to help companies navigate and grow in an uncertain and volatile environment.

We act for trade.

As a global leading player in trade credit risk management, we support the growth of 100,000 clients across some 200 markets.

Whatever their size, location or sector, we offer companies a full range of solutions: Trade Credit Insurance, Business Information, Debt Collection, Single Risk insurance, Surety Bonds, Factoring.

Every day, we leverage our unique expertise and cutting-edge technology to make trade happen, in both domestic and export markets.

Commitments

Diversity, equity, and inclusion

Coface is fully committed to creating a work atmosphere that respects the individualities and diversity of its teams. Given the nature of its business, which operates across a global scope, Coface must remain a multicultural company. To that end, employees must benefit from an inclusive and non-discriminatory work environment. This allows for collaborative and fruitful work between teams representing 80 nationalities and working in 58 countries.

Coface has been focusing in particular on gender equity and gender balance in career opportunities, and diversity in senior management roles. Coface has initiated numerous actions plans in that field, together with indicators for monitoring progress.

Accordingly, diversity and inclusion are a key component of the Group Human Resources strategy. Coface work environment must be seen as inclusive and the company as a place where employees can thrive and contribute their authenticity to their professional activities.

To that end, Coface has introduced training and awareness-raising initiatives to encourage the transformation of the corporate culture towards greater openness to diversity.… more

Career growth and learning

At Coface, we strive to establish and develop a lasting relationship of trust, encouraging integration, and supporting professional development; these are our priorities and commitments.

We have a dedicated program called “Move & Grow” to boost internal mobility. In fact, we believe in internal mobility as an accelerator of career growth, as much as a fantastic opportunity to learn and grow from a more personal standpoint. We encourage you to seize every opportunity to get out of your comfort zone, by changing jobs and taking on new responsibilities.

In parallel, we have a program dedicated to new comers, which provides access to all the information necessary for integration and allows them to follow a path marked out by individual meetings, immersive experiences, training and informal sharing moments. Furthermore, in order to continually develop your individual talent, we have a digital training platform with a wide range of content which encourages the sharing of exchanges and experience between the group's employees. We also have mentoring programs and much more to support your career development.

Job Description

Key Responsibilities

• Supervise and lead a team of analysts in preparing detailed and concise credit reviews.
• Network and communication to build market relationships and industry knowledge about key industry sectors and make sector studies and research that aim at improving sector expertise.
• Pro-actively build and maintain good working relationships with underwriting and information colleagues.
• Contact companies and carry out phone and physical interviews to obtain financial and business information to assess their current situation.
• Manage information related strategic projects:

• Evolution and integration with Credit Bureaus
• Evolution and integration with formal sources

• Develop Country reports and macro-economic studies
• Working closely with information providers to monitor the response time and the quality of the information provided to Coface through its partners
• Support Coface regional development in the region and enhance the underwriting capabilities by performing financial and field analysis to provide a fair credit risk rating.
• Participate in sensitive buyer visits and in-depth reports,
• Assessment of debtors on large exposures and sensitive files.
• Oversee the quality of assessments by others in the team.
• Ensure the information and DRA represent the most up to date position and that group standards have been applied toward frequency and level of information required.
• Engage in the review of source information scores to ensure the best quality and accuracy
• Validate DRA’s according to group delegation rules.
• Liaise with underwriting colleagues to organize monthly meetings and regularly liaise between both departments for an operational review.
• Identify local sources of information and develop relationships with different economic players (like banks, trade associations, credit bureaus, competitors and official sources of information such as commercial registries, chambers of commerce) to enhance the level of information.
• Manage workflows and ensure smooth running of operations during vacation times.
• Get actively involved in team training, coaching and mentoring, to ensure professional development and efficiency of operations.
• Lead, motivate and supervise the correct performance of the team according to the proposed goals and the group rules and standards
• Conduct regular performance reviews.
• Ensure compliance with regulations and procedures as laid down by Coface and external regulators
• Performing reports and other duties assigned by the management

Specialist Skills & Knowledge

Minimum 5 years’ experience in a senior credit risk position (Insurance or bank industry) is require.

Industry:

• Credit insurance
• Bank
• Large corporates

Functional:

• Credit Risk Management
• Financial Analysis
• Credit Control

Coface specific:

• Coface's portfolio management system
• Atlas, Atlas Info

IT:

• Proficient in Microsoft Outlook, Word, Excel.

Qualifications

• Fluent in Arabic & English
• Bachelor’s degree, preferably in Business, Finance, Economics, Banking, Insurance or a related field.

Additional Information

• A culture focused on teamwork, continuous learning, and professional development
• Competitive base salary + performance-based incentives
• Comprehensive benefits package, including health insurance
• To be based withing our Partner offices in Riyadh, KSA