Analyst, Credit Risk Management

Would you like to join a global, growing company that innovates for a more sustainable tomorrow? UPM could be the team for you. We are frontrunners in developing renewable alternatives to fossil-based materials. Besides enabling both businesses and consumers make more sustainable choices, we strive to create a positive UPM experience for all our employees around the world. We live by our values – trust and be trusted, achieve together, renew with courage. Join us in creating a future beyond fossils!

We are now looking for an Analyst, Credit in Customer Account Management, Customer Operations in Finance.

Greetings from your future manager

Contribute to sustaining a resilient credit risk management for UPM customer portfolio! In this role, you will play a key part in assessing and managing credit risk, ensuring well-informed credit decisions that support business stability and development. You’ll analyze financial data and collaborate with cross-functional teams to optimize credit risk and exposure while enabling business growth. If you have a keen eye for detail, enjoy problem-solving, and thrive in a changing work setting, we’d be pleased to hear from you. - Paula Sydry, Director Customer Account Management

What you will do

• Conduct credit risk analysis and scoring to evaluate the credit risk of assigned customer portfolios

• Recommend and establish credit limits for customer accounts within authorized levels

• Monitor customer payment behavior and update risk profiles accordingly

• Assist Group Credit Risk Management in preparing comprehensive credit reports and forecasts to management and credit insurer 

• Identify high-risk cases and ensure their timely escalation

• Guide and advise businesses on credit-related decisions, collaborate with Sales and other stakeholders to enhance customer risk profile quality and optimize credit risks     

• Stay informed on market and economic trends that may affect customer credit risk

• Contribute to credit process development and continuous improvement activities together with other customer operations in finance and business teams

Who you are

• You have a bachelor’s degree in Finance, Accounting, Economics, or related field; professional certification (e.g., CFA) is considered an asset

• You are detail-oriented Credit Risk Analyst with 3+ years of experience in evaluating financial risks and creditworthiness

• You are finance professional with extensive understanding and hands-on experience in establishing credit limits and monitoring customer payment behavior to mitigate risk exposure

• You are an adept at interpreting market and economic trends to anticipate potential financial risks

• You are an experienced professional with solid expertise and practical knowledge in B2B trade and trade credit insurance

• You are an analytical thinker with proficient problem-solving skills and the ability to work cross-functionally

• You are a skilled communicator who collaborates effectively with Sales, Finance, and other stakeholders to align credit strategies with business objectives

• You are fluent in English

This is what we offer to you

• A meaningful job – We have an inspiring purpose ‘We create a future beyond fossils’. Our work is impactful and transformative.

• A caring community – Our community is built on great team spirit and shared commitment. We care about each other and the well-being of our colleagues. We support the work-life balance of all our employees.

• Development opportunities – We offer you great opportunities to learn and grow throughout your career. We are an international, multi-business organization offering plenty of avenues for personal growth.

• Responsible employer - Sustainability is at the core of everything we do. We are committed to ambitious, science-based sustainability targets in all areas from climate change to biodiversity. We foster diversity and inclusivity, offering a work environment in which everyone can be themselves.

Learn about our Rewarding and our Ways of working

Additional information

The position is located in in UPM Business HUB Wrocław, Poland.

The position holder will report to Senior Manager, Customer Account Management.

Please apply via the link above and attach your CV and optionally cover letter latest 30.04.2025. We review applications already during the application period, and you may be contacted already before the application deadline.

For support with submitting your application, please contact HR Service Center at [email protected] or tel. +48 12 399 94 99.

If you have any concerns about the recruitment and selection process, you can report those online through the UPM Report Misconduct channel using the link: https://www.upm.com/investors/governance/compliance/reportmisconduct/   

UPM is a global forest industry leader with headquarters in Finland. We create renewable and responsible wood-based alternatives for fossil-based materials utilizing our expertise in engineering, innovation and digitalization. In Poland, UPM is running two factories near Wrocław, a Human Resources Service Center in Kraków and UPM Business Hub at the heart of the city of Wrocław. At the moment, the Wrocław Hub brings together over 600 professionals in customer, supplier and financial services.

What makes us unique? The Finnish leadership culture encourages people in personal growth and self-development, and our values - trust and be trusted, achieve together, renew with courage – are visible in our everyday work. We are inspired by the limitless opportunities of the bioeconomy and we lead the way towards a future beyond fossils. Got interested? Join us on this exciting path! #growthwithUPM

If you wish to get more insight about who we are, check out this page!

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