Senior Credit Analyst – German speaking
Poste de Senior Credit Analyst – Langue Allemande
Entreprise : BP – Emploi en Hongrie
Présentation de l’entreprise : BP, une entreprise énergétique de renommée mondiale, se positionne à la pointe de la transition énergétique. Avec une vision audacieuse, BP aspire à se transformer en une entreprise de solutions énergétiques plus diversifiées et à atteindre la neutralité carbone d’ici 2050. L’entreprise offre une expérience enrichissante où les employés peuvent jouer un rôle actif dans l’amélioration des systèmes énergétiques en investissant dans de nouvelles technologies et innovations.
Description du poste
Le rôle de Senior Credit Analyst – German speaking est clé au sein de l’équipe Finance Business & Technology. Ce poste demande une capacité à évaluer la solvabilité des clients en fonction de la politique de crédit et de la délégation d’autorité.
Responsabilités principales :
- Réalisation d’évaluations de crédit systématiques et ponctuelles, incluant l’analyse des données financières des clients.
- Prise de décisions appropriées sur le risque et les limites de crédit.
- Définition des types et besoins de garanties spécifiques aux clients.
- Suivi de la gestion des garanties et coordination avec les équipes de vente et les institutions bancaires.
- Préparation d’évaluations de haute qualité au-delà de la délégation d’autorité pour approbation.
- Surveillance continue du portefeuille client pour anticiper les alertes de crédit.
Exposition et gestion des risques :
- Contrôle de l’exposition par rapport aux limites de crédit et aux arriérés de paiement.
- Analyse des tendances au sein du portefeuille et formulation de recommandations pour une gestion des risques améliorée.
- Coopération régulière avec les équipes afin d’assurer une communication fluide sur les enjeux de crédit.
Compétences requises :
- Diplôme universitaire en Économie ou Finance souhaité.
- Minimum de 5 ans d’expérience en gestion de crédit ou de recouvrement dans un environnement international.
- Maîtrise des langues anglaise et allemande, compétences en SAP et SalesForce un atout.
- Capacité à gérer des situations complexes tout en équilibrant les intérêts des clients et de l’entreprise.
- Excellentes compétences en communication et en relations interpersonnelles.
Avantages et environnement de travail
BP se distingue par un environnement de travail favorable qui valorise la diversité et le bien-être de ses employés. Parmi les avantages offerts :
- Opportunités de primes basées sur la performance.
- Assurance vie et santé, package de soins médicaux.
- Horaires de travail flexibles incluant jusqu’à deux jours en télétravail par semaine.
- Espaces de collaboration et de détente au sein des bureaux à Budapest et à Szeged.
Contexte d’embauche
Ce rôle est conçu pour être occupé en mode hybride, avec une flexibilité permettant de travailler à la fois au bureau et à distance. Le besoin de déplacements est nul pour cette fonction, et une assistance à la relocalisation peut être négociée.
Salaire attendu : À négocier selon l’expérience.
Localisation : Budapest.
BP Hongrie a été récompensé par le prix du meilleur employeur 2024 dans le secteur SSC/BSC par PwC. Pour rejoindre cette équipe dynamique, postulez dès maintenant !
Engagement d’égalité des chances : BP garantit une politique de non-discrimination en matière d’emploi, promouvant un environnement inclusif et respectueux de toutes les diversités.
📅 Date de publication de l’offre : Wed, 28 May 2025 22:21:42 GMT
🏢 Entreprise : BP
📍 Lieu : Budapest
💼 Intitulé du poste : Senior Credit Analyst – German speaking
💶 Rémunération proposée :
📝 Description du poste : Entity: FinanceJob Family Group: Finance GroupJob Description:As a leading global energy company, we provide heat, light and mobility to customers worldwide. Across the bp landscape, we’re home to a range of brands across many areas of our industry. We’re investing in today’s energy system and helping build out tomorrow’s. So while we’re still in oil and gas, over the next decade we’ll become a different kind of energy company. We’re decarbonizing and diversifying our business, fundamentally transforming what we do so we can reach net zero by 2050 or sooner. We also have a strong mission to help the whole world reach net zero too – working across our industry to improve people’s lives.It’s an exciting time to join bp. Meeting the energy challenge requires many different approaches and solutions. And as part of Finance Business & Technology (FBT), you’ll be fully connected into the world of bp. You’ll play an increasingly important part within a network of like-minded colleagues partnering on strategic projects that stretch across the world. And it starts with you. There’s a world of opportunities to build new skills, challenge yourself and grow a long-term career at bp. And no matter where you work, your role will have meaning, purpose and impact. So if you want to be part of a caring, supportive environment where you can realize your full potential, we’re with you.Would you like to discover how our diverse, hardworking people are leading the way in making energy cleaner and better – and how you can play your part in our world-class team?Join our Team and advance your career as aSenior Credit Analyst- German SpeakingIn this role You will (be):Perform regular and event driven credit assessments of the customers based on the Credit Policy and Delegation of Authority by:
- analyze as the part of the credit assessment the financial information data of the customer (balance sheet, profit and loss, agency reports etc.), soft facts of the customer
- make the right and timely conclusion and decision (risk rating, credit limit)
- define the overall need and type of securities for individual customers.
- manage right handling for these securities.
- coordinate with sales, customer and / or banks details on securities requested.
- prepare high quality assessments above the own Delegation of Authority for further approval.
- take decision to block / unblock customers from delivery.
- continuous monitoring customers’ portfolio regarding alerts
- be able to identify key, strategic or high-risk business customers and issues and take actions together with the relevant partners.
Exposure Management and Monitoring by
- monitoring of exposure regarding credit limit and overdue
- investigate and analyze portfolio trends, assess root causes, and make suggestions on risk mitigations and improvements.
- provide and receive information on shared customers by coordinating regular meetings and audios.
Understand the business and drive execution by
- support sales to find ways of working even with problematic customers.
- keep close contact to sales by attending and/or organizing regular meetings on credit matters.
- be a business partner to balance the risk and enable the business.
Credit Insurance perform related processes for the relevant customers.
- Define the overall need of credit insurance.
- align with the regional Credit Manager
What You will need to be successful:
- University Degree or equivalent experience in Economics or Finance field is preferred.
- Broad credit analysis knowledge
- Credit management background gained in banking, financial services, or a blue-chip credit environment
- Fluent English and German language knowledge
- 5+ years of Cash Collection, Credit Management, or similar finance experience in an international environment
- SAP and SalesForce knowledge is an advantage
- Ability to deal with complex situations while maintaining the right balance of customer and business focus.
- Ability to produce high-quality assessments within tight deadlines.
- Great communication and interpersonal skills
- Able to deal with complex situations while maintaining the right balance of customer and business focus.
- See opportunities for continuous improvement within GBS Fuels Credit team and driving the implementation of these changes.
At bp, we provide the following environment & benefits to you:
- Different bonus opportunities based on performance, wide range of cafeteria elements
- Life & health insurance, medical care package
- Flexible working schedule: home office up to 2 days / week, based on team agreement
- Opportunity to build up long term career path and develop your skills with wide range of learning options
- Family friendly workplace e.g.: Extended parental leave, Mother-baby room
- Employees’ wellbeing programs e.g.: Employee Assistance Program, Company Recognition Program
- Possibility to join our social communities and networks
- Chill-out and collaboration spaces in our beautiful Budapest Agora and Szeged offices e.g.: Play Zones, Office massage, Sport and music equipment
bp Hungary won the Most Attractive Employer 2024 Award (SSC / BSC sector) fourth time in a row at PwC’s annual employer research. Come and join us!Travel Requirement No travel is expected with this roleRelocation Assistance: Relocation may be negotiable for this roleRemote Type: This position is a hybrid of office/remote workingSkills: Accounting for financial instruments, Accounting for financial instruments, Accounting policy, Agility core practices, Agility tools, Analytical Thinking, Analytics, Business process control, Business process improvement, Commercial Acumen, Commercial assurance for external reporting, Communication, Creativity and Innovation, Credit Management, Curiosity, Customer centric thinking, Data Analysis, Data visualization and interpretation, Decision Making, Digital Automation, Digital fluency, Financial Reporting, Influencing, Internal control and compliance, Long Term Planning {+ 4 more}Legal Disclaimer:We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, sex, gender, gender expression, sexual orientation, age, marital status, socioeconomic status, neurodiversity/neurocognitive functioning, veteran status or disability status. Individuals with an accessibility need may request an adjustment/accommodation related to bp’s recruiting process (e.g., accessing the job application, completing required assessments, participating in telephone screenings or interviews, etc.). If you would like to request an adjustment/accommodation related to the recruitment process, please .If you are selected for a position and depending upon your role, your employment may be contingent upon adherence to local policy. This may include pre-placement drug screening, medical review of physical fitness for the role, and background checks.
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