Shanghai Credit Risk Manager

Job description

Welcome If you're someone who inspires others, owns their impact and wants to elevate what they do, you'll fit right in. Until July 1, our business was part of BASF. As part of the current transition, all job listings and the application process are still hosted on the BASF platform and therefore fully presented in BASF branding. Please do not be confused by this: All roles are positions at Surventis, and your application will be submitted to us. At Surventis, we go beyond the surface - in everything we do. We put customers at the center, think one step ahead, and develop solutions that create real value and lasting partnerships. We inspire each other to think further, take ownership of our work, and constantly push to elevate what's possible. If you bring your full self, challenge the obvious answer, and want to grow with a team that means it - this is your place. About The Role The CCRM Manager leads customer credit risk assessment, credit-limit governance, order-release management and overdue receivables management for Surventis businesses and legal entities in APAC. The role is accountable for controlling customer credit exposure while enabling commercially sound and timely business decisions. How You Will Do It Customer Credit Risk Management Lead the assessment and ongoing monitoring of customer credit exposure across assigned businesses and legal entities. Perform and review credit assessments for new and existing customers based on financial information, payment history, external credit reports and business considerations. Lead annual credit-limit reviews and assess proposed customer payment terms. Identify material or emerging credit risks and align mitigation measures with Sales, Business Units, Controllers and Finance stakeholders. Ensure assessments, recommendations and decisions are clearly documented in Smart Credit Optimizer. Escalate material, judgmental or out-of-policy credit matters in accordance with the applicable approval matrix. Order Release Management Own the local credit-limit assessment process and ensure compliance with policies, delegated authorities and approval requirements. Review requests for new, renewed, temporary or increased credit limits, including requests arising from seasonal demand or exceptional business needs. Oversee sales orders blocked because of exceeded credit limits, overdue invoices or other credit-related conditions. Partner with Sales, Business Units and Controllers to assess the commercial background, total customer exposure and associated risks. Approve or recommend credit-limit changes and order releases within the applicable authority framework, escalating higher-risk cases appropriately. Monitor recurring order blocks and drive sustainable resolution of their underlying causes. Overdue Receivables Management Support the collection of overdue receivables as required and coordinate collection activities with the respective BPO provider, Sales, Business Units and Controllers. Analyze overdue aging, customer commitments, payment behavior and exposure trends to identify high-risk or long-outstanding cases. Review payment-extension and prolongation requests and assess their impact on overall credit exposure. Lead additional local collection actions and escalate material cases to management, Legal or external collection agencies where required. Provide relevant credit information to support bad debt assessments and other Finance decisions. BPO Governance Act as the local CCRM owner for relevant activities delivered by the respective BPO provider. Define clear responsibilities, review points and escalation paths between local CCRM, the BPO and business stakeholders. Monitor the quality and timeliness of dunning, overdue reporting and related operational deliverables. Coordinate resolution of credit-related exceptions, system issues and recurring service problems. Drive process standardization, root-cause resolution and continuous improvement across the end-to-end process. Systems, Reporting & Controls Ensure effective use of Smart Credit Optimizer and consistent credit data across SAP FSCM, GetPaid and relevant master-data systems. Use external credit reports and publicly available information to support assessments, working with approved global and local credit-information providers. Prepare regular reporting on customer exposure, credit limits, order blocks, overdue receivables and material risks. Own the local control environment for customer credit risk management and ensure compliance with policies, approval requirements and documentation standards. Maintain complete and audit-ready evidence for credit assessments, credit-limit decisions, order releases and overdue-management activities. Support internal and external audit requests and lead remediation of identified process or control gaps. Team Leadership & Capability Building Lead and develop local CCRM resources, establishing clear priorities, responsibilities and performance expectations. Provide technical guidance on credit assessment, financial analysis, order-release decisions and overdue management. Deliver regular and ad-hoc credit-risk training to Sales, local finance and other relevant stakeholders. Build consistent CCRM capabilities and promote collaboration across local, BPO service providers and regional teams. Support succession planning, knowledge transfer and the development of a sustainable CCRM organization. Transformation & Stakeholder Management Represent local CCRM requirements in regional and global finance-transformation initiatives. Drive process simplification, automation and sustainable control improvements. Support the transition from existing BASF arrangements to Surventis policies, systems and governance. Act as the principal local contact for customer credit risk management in Mainland China. Partner with Sales, Business Units, local finance , Legal and Compliance teams to support commercially sound and policy-compliant decisions. Communicate significant exposures, overdue cases, recommendations and required actions clearly to senior stakeholders. What We Look For Education & Professional Qualifications Bachelor’s degree in Finance, Accounting, Economics, Business Administration or a related discipline. A relevant professional qualification in accounting, finance or credit management is preferred. A master’s degree or MBA is advantageous. Experience Approximately 10–12 years of progressive experience in customer credit risk, credit control, accounts receivable or collection management. At least 3–5 years of experience in a management, team-lead or senior credit decision-making role. Strong experience in customer credit assessment, financial-statement analysis and credit-limit management. Demonstrated experience in new-customer reviews, annual credit assessments, order-release management and temporary credit-limit decisions. Experience managing overdue receivables, payment extensions, collection activities and high-risk customer cases. Experience partnering with Sales, Controllers and Business Units in a multinational or matrix organization. Experience governing BPO activities is preferred. Experience in the manufacturing, industrial or B2B sector is advantageous. Technical Expertise Strong knowledge of customer credit risk management, credit control and accounts-receivable processes. Strong ability to analyze financial statements, cash flow, payment behavior and external credit information. Practical knowledge of credit limits, payment terms, order blocks, prolongations, dunning and collection processes. Ability to assess material customer exposure and recommend commercially practical mitigation measures. Experience with Smart Credit Optimizer or a comparable credit-management platform is preferred. Strong SAP experience; knowledge of SAP FSCM and SAP S/4HANA is advantageous. Experience with GetPaid or another collection-management system is advantageous. Strong Microsoft Excel, data-analysis and reporting skills.