At a Glance
- Tasks: Analyse credit portfolios and manage risk while collaborating with a diverse global team.
- Company: Join 3M, a leader in innovation and creativity.
- Benefits: Competitive salary, growth opportunities, and a supportive work environment.
- Other info: On-site role in Bracknell with a focus on teamwork and process improvement.
- Why this job: Make a real impact in credit risk management and develop your analytical skills.
- Qualifications: Degree in finance or related field; experience in credit risk and data analytics preferred.
The predicted salary is between 40000 - 50000 £ per year.
3M has a long-standing reputation as a company committed to innovation. We provide the freedom to explore and encourage curiosity and creativity. We gain new insight from diverse thinking and take risks on new ideas. Here, you can apply your talent in bold ways that matter.
The Impact You’ll Make in this Role
As a Credit Portfolio Risk Analyst located at our Bracknell HQ, you will have the opportunity to tap into your curiosity and collaborate with some of the most innovative and diverse people around the world. Here, you will make an impact by:
- Supporting lead manager on customer credit analysis and risk rating of the portfolio.
- Monitoring and proactively managing risk/exposures and compliance with policies for credit risk portfolio.
- Supporting global team with credit data analysis to formulate practical portfolio problem-solving models.
- Monitoring performance of AR credit quality and analysing AR performance, aging, trends, risk exposure and advising business leadership teams in actions to be taken.
- Supporting management reporting for KPIs.
- Working in collaboration with the CIR organization to implement frameworks and global governance policies.
- Reviewing and approving requests related to credit limits or payment terms.
- Participating on cross-functional teams to identify opportunities and support initiatives for process improvements, centralization, and standardization.
- Providing financial counsel and analysis on DSO initiatives to the business group leaders and team, influencing business thinking.
- Leading SAP readiness and deployment activities related to the Credit Risk.
Your Skills and Expertise
To set you up for success in this role from day one, 3M is looking for candidates who must have the following qualifications:
- Bachelor’s degree or higher in Business, Finance, Accounting, Economics, Mathematics, Statistics, or a related field from an accredited institution.
- Credit-related professional certification preferred.
- Significant experience in credit risk management.
- Prior experience in data analytics, data management, and/or risk and accounts receivable analysis.
Additional qualifications that could help you succeed even further in this role include:
- Strong knowledge of financial statement analysis, basic accounting practices, and financial principles, with the ability to assess and interpret the working capital impact of credit risk decisions.
- Demonstrated analytical reasoning skills, with the ability to communicate persuasively and assertively while remaining adaptable, collaborative, and solution-oriented.
- Strong written and verbal communication skills.
- Experience in Credit and Collections preferred.
- Proficiency in SAP preferred.
Job specifics:
- Location Information - Bracknell, UK.
- Travel expectations - May include up to 5% domestic/international.
- This role has on-site working model, with the employee working at least four days a week in the office at Bracknell, Berkshire, UK.
- Working Pattern - Full-time.
If this opportunity and our innovative 3M culture align with your career aspirations, we encourage you to apply and embark on a journey of creativity and growth with us. We look forward to hearing from you!
Resources for You
For more details on what happens before, during and after the interview process, check out the Insights for Candidates page at 3M.com/careers. If you have further questions please reach out to Max (our AI Virtual Assistant) via our Career Page.
Learn more about 3M’s creative solutions to the world’s problems at www.3M.com or on Instagram, Facebook, and LinkedIn @3M.
Safety is a core value at 3M. All employees are expected to contribute to a strong Environmental Health and Safety (EHS) culture by following safety policies, identifying hazards, and engaging in continuous improvement.
At 3M, we believe diversity & inclusion are essential to innovation. We seek and value differences in people! This Job ad is addressed to all potential candidates. As an equal opportunity employer, 3M will not discriminate against any applicant for employment on the basis of race/ethnicity, nationality, religion, sex, gender identity, sexual orientation, pregnancy/maternity-related matters, age or disability, or any other relevant characteristic protected under applicable local law.
Please note: your application may not be considered if you do not provide your education and work history, either by: 1) uploading a resume, or 2) entering the information into the application fields directly.
Credit Portfolio Risk Analyst (m/f/x) employer: 3M
3M is an exceptional employer that fosters a culture of innovation and collaboration at our Bracknell HQ. With a commitment to employee growth, we provide opportunities for professional development and encourage diverse thinking, allowing you to make a meaningful impact in your role as a Credit Portfolio Risk Analyst. Our supportive work environment, combined with a focus on creativity and curiosity, makes 3M a rewarding place to build your career.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Portfolio Risk Analyst (m/f/x)
✨Tip Number 1
Network like a pro! Reach out to current or former employees at 3M on LinkedIn. Ask them about their experiences and any tips they might have for landing the Credit Portfolio Risk Analyst role. Personal connections can make a huge difference!
✨Tip Number 2
Prepare for the interview by researching 3M’s culture and values. They love innovation and diverse thinking, so think of examples from your past that showcase your creativity and problem-solving skills. Show them you’re a perfect fit!
✨Tip Number 3
Practice your analytical reasoning skills! You might be asked to solve real-world problems during the interview. Brush up on your data analysis techniques and be ready to discuss how you would approach credit risk scenarios.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen. Plus, it shows you’re serious about joining the 3M team. Good luck!
We think you need these skills to ace Credit Portfolio Risk Analyst (m/f/x)
Some tips for your application 🫡
Tailor Your CV:Make sure your CV is tailored to the Credit Portfolio Risk Analyst role. Highlight relevant experience in credit risk management and data analytics, and don’t forget to showcase your analytical reasoning skills!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to express your curiosity and creativity, and explain how your background aligns with 3M's innovative culture. Be bold and let your personality come through!
Showcase Your Skills:In your application, emphasise your proficiency in financial statement analysis and any experience with SAP. These skills are key for the role, so make sure they stand out!
Apply Through Our Website:We encourage you to apply directly through our website. It’s the best way to ensure your application gets into the right hands. Plus, you’ll find all the resources you need to guide you through the process!
How to prepare for a job interview at 3M
✨Know Your Numbers
As a Credit Portfolio Risk Analyst, you'll be dealing with data analysis and financial metrics. Brush up on your knowledge of financial statements, credit risk indicators, and key performance metrics. Be ready to discuss how you’ve used data to influence decisions in past roles.
✨Showcase Your Analytical Skills
Prepare to demonstrate your analytical reasoning skills during the interview. Think of specific examples where you've tackled complex problems or improved processes through data analysis. Use the STAR method (Situation, Task, Action, Result) to structure your responses.
✨Understand 3M's Culture
Familiarise yourself with 3M’s commitment to innovation and diversity. Be prepared to discuss how your values align with theirs and how you can contribute to their culture. This shows that you’re not just interested in the role, but also in being part of their team.
✨Prepare Questions
Have thoughtful questions ready for your interviewers. Ask about the team dynamics, the tools they use for credit analysis, or how they measure success in this role. This not only shows your interest but also helps you gauge if the company is the right fit for you.
