FINANCIAL ANALYST (CREDIT) - HOME OFFICE

JOB DESCRIPTION

About the Company 

SourceHub operates as a Shared Services Center (SSC) for the ScanSource Group, a U.S.-based multinational company founded in 1992 and headquartered in Greenville, South Carolina. ScanSource specializes in the distribution of global technology products and services from leading partners such as Microsoft, Dell, HP, Intel, and Lenovo, delivering innovation and support that drive our customers’ digital transformation. 

As SourceHub, we are responsible for delivering Finance and Accounting, Human Resources, Information Technology, Procurement and Supply Chain, Legal and Compliance, and general administrative services with efficiency and quality. 

We are currently seeking a Senior Credit Analyst to join our Credit and Collections team, supporting and executing credit risk activities, ensuring portfolio health, and enabling sustainable business growth.

This professional will be responsible for evaluating client creditworthiness, managing financial risk, monitoring portfolio performance, and collaborating with internal teams to balance risk mitigation and commercial opportunities in an international environment.

RESPONSIBILITIES AND ASSIGNMENTS

• Evaluate and monitor client creditworthiness by analyzing financial statements, including Balance Sheet, Income Statement (P&L), Cash Flow, and credit history.
• Perform financial analysis using key indicators (liquidity, leverage, profitability) to define credit limits and support decision-making.
• Analyze economic scenarios, market trends, and cash flow projections to assess potential risks and business opportunities.
• Manage credit risk by calculating default probability, issuing credit recommendations, classifying portfolios, and monitoring asset quality.
• Review and approve credit applications, ensuring compliance with internal policies and regulatory requirements.
• Monitor overdue accounts, follow up on payments, and actively manage collections processes, including negotiations and recovery strategies.
• Support contract adjustments and propose guarantees to mitigate financial risks.
• Prepare and maintain financial and operational reports, including KPIs such as DSO, aging, overdue balances, and provisions.
• Support audits, due diligence processes, and documentation requests related to credit and collections activities.
• Collaborate cross-functionally with Sales, Legal, and Finance teams to align credit terms, resolve disputes, and improve risk management practices.
• Perform operational activities such as consulting credit bureaus (e.g., Serasa, SPC), reconciling accounts, and maintaining updated financial records.
• Contribute to the continuous improvement of credit processes, controls, and reporting standards.

REQUIREMENTS AND QUALIFICATIONS

• Bachelor’s degree in Business Administration, Accounting, Economics, or related fields.
• Minimum of 3 years of experience in credit analysis, collections, or related financial areas, preferably with corporate clients (B2B/PJ).
• Solid knowledge of financial analysis, including ratios, credit risk assessment, and cash flow evaluation.
• Advanced English (B2/C1), with the ability to communicate effectively in international environments, including meetings and reporting.
• Advanced proficiency in Microsoft Excel (pivot tables, financial analysis, scenario building).
• Experience with ERP systems (SAP, Oracle, Totvs, Protheus, or similar).
• Familiarity with credit bureaus, scoring tools, and financial risk systems.
• Knowledge of regulatory requirements (e.g., Central Bank guidelines, KYC/AML policies).
• Strong analytical skills, attention to detail, and ability to manage high volumes of information.
• Proactive mindset, strong prioritization skills, and ability to handle competing demands in a dynamic environment.
• Excellent communication and negotiation skills, with the ability to interact effectively with internal teams and external stakeholders.

ADDITIONAL INFORMATION

• Competitive salary, aligned with current market standards.
• Meal and/or food allowance (BRL 40.00 per business day).
• Transportation allowance or free on-site parking.
• Health insurance plan.
• Dental insurance plan.
• TotalPass.
• Remote work model.
• Annual Profit-Sharing Program (PPR), based on performance and goal achievement.
• Birthday Day Off.
• Life insurance.

FAÇA PARTE DE UM AMBIENTE TRANSFORMADOR

Venha fazer parte de um ambiente em que você pode IMPULSIONAR O SEU SUCESSO e ir além do que imagina na sua carreira 🚀

A ScanSource quer que você seja líder de sua própria trajetória, independente do seu cargo, permitindo que você atinja seus objetivos pessoais e profissionais em um lugar colaborativo e inovador que promove a inclusão de todas as pessoas.

Para garantir um ambiente acolhedor, contamos com grupos de afinidade e campanhas de conscientização ao longo do ano para abordar tópicos como a equidade de gênero e racial e a inclusão de pessoas LGBTQIA+ e com deficiência. Além disso, possuímos metas e vagas afirmativas com o objetivo de tornar nosso time cada vez mais diverso, afinal, aqui vamos além de teorias e colocamos tudo em prática🧒🏻👦🏾👩🏻‍🦰👩🏿‍🦱

Se você já deu match com esses valores, se inscreva em nossas oportunidades e conheça mais sobre nós 😊. Se quiser entender como tratamos seus dados pessoais em processos seletivos, é só clicar aqui.