Senior Team Manager Credit Risk, Credit-to-Cash - EMEA

Who We Are
160,000 employees
around the globe
1,600 employees
in Sofia and Varna
Operating in
70 countries
160-year-old legacy

Cargill’s size and scale allows us to make a positive impact in the world. Our purpose is to nourish the world in a safe, responsible, and sustainable way. We are a family company providing food, ingredients, agricultural solutions, and industrial products that are vital for living. We connect farmers with markets so they can prosper. We connect customers with ingredients so they can make meals people love. And we connect families with daily essentials — from eggs to edible oils, salt to skincare, feed to alternative fuel. We make essential products that touch billions of lives each day.

Senior Team Manager Credit Risk,
Credit-to-Cash - EMEA
Purpose and Impact
The Senior Team Manager Credit Risk, Credit-to-Cash - EMEA job sets goals and objectives for the achievement of operational results for the team responsible for minimizing the organization's credit risk and carrying out various credit activities, such as creditworthiness assessments, credit portfolio management, counterparty relationship management and credit reporting. This job also oversees the implementation of credit controls and policies that mitigate risk and improve financial performance.
* The corporate naming of the role is Credit-to-Cash Credit Senior Team Manager.

Key Accountabilities
CUSTOMER ACCOUNTS: Coordinates and reviews customer account management activities, including tracking account status, following up on overdue accounts, and assessing customer portfolio risk
CREDIT ANALYSIS: Leads credit analyses and insights generation on credit trends, profitability, economics, and collections activities to ensure credit decisions are adequately informed.
CREDIT STANDARDS: Facilitates the development and implementation of credit control policies and procedures, ensuring effective credit standards, policies, procedures, and controls are in place and aligned across the organization to minimize credit risks, optimize cash flow management, and ensure compliance with industry standards.
CREDIT REPORTING: Leads and reviews the preparation and distribution of detailed credit research and reports to support account decision making, including the research of credit history and application of credit knowledge to decide acceptable credit lines and payment terms for new customer and supplier accounts.
COLLABORATION: Collaborates with internal cross functional teams and external parties to develop and implement credit strategies, maintain strong working relationships, and ensure compliance with regulatory requirements and industry standards.
RISK MANAGEMENT: Reviews potential sources of loss and estimates of potential financial consequences to minimize the company's credit risk.
INDUSTRY EXPERTISE: Leads the team to stay abreast of industry trends, regulatory changes, and emerging best in class industry standards in credit management, proactively finding opportunities for continuous improvement in processes, risk mitigation, and credit operations.
TEAM MANAGEMENT: Manages team members to achieve the organization's goals, by ensuring productivity, communicating performance expectations, creating goal alignment, giving and seeking feedback, providing coaching, measuring progress and holding people accountable, supporting employee development, recognizing achievement and lessons learned, and developing enabling conditions for talent to thrive in an inclusive team culture.

Qualifications
Minimum requirement of 4 years of relevant work experience. Typically reflects 5 years or more of relevant experience.
Fluent English language skills - written and verbal.
Team development and engagement linked to broader department strategy.
Proven working experience using SAP ERP.
Previous working experience in matrix organization.
Collaboration and partnership with stakeholders.
Participation and leading process improvement and implementations projects.

Our Offer
We provide a fast-paced stimulating international environment, which will stretch your abilities and channel your talents. We also offer competitive salary and benefits combined with outstanding career development opportunities in one of the largest and most solid private companies in the world.


Company Benefits
Attractive salary
Performance-based bonus
Food vouchers
Health and dental full package insurance
Life and accident insurance
Additional paid study leave
Various shop and bank service discounts
Work-life balance
Multisport card
Hybrid working model
Award-winning office environment
Various social initiatives
Comfortable relaxation zones
Team building activities
Career Development
Collaborate with a global network of professionals
Professional growth in a dynamic environment
Technical and soft skills training
Outstanding career opportunities
Ready to grow with us?
Send us your CV and cover letter in English today!