OTC Expert Credit Management (Bogotá)

Requirements

• +5 years of experience in Credit management / Order-to-Cash.
• Proven hands-on experience in:
• Credit risk analysis and financial statement interpretation.
• Credit limit management and order release processes.
• ERP-based payment term management .
• Experience in multinational, multi-country environments (preferred).
• Technical Skills
• Strong knowledge of Collections, Order-to-Cash processes and Credit Management practices.
• Experience with SAP or AX ERP systems (preferred).
• Advanced Microsoft Excel skills (data analysis and reporting).
• Familiarity with credit risk tools and external credit agencies.
• Core Competencies
• Strong analytical and problem-solving skills.
• High level of attention to detail and control awareness.
• Ability to balance risk management with commercial needs.
• Effective communication and stakeholder engagement skills.
• Proactive, adaptable, and continuous improvement mindset.
• Languages
• Intermediate English skills
• Portuguese (desirable).
• You. Unlimited
• We believe in creating the greatest good for society. Our strongest investments are in our people and the patients we serve.
• Inclusion+belonging : Committed to Welcoming, Celebrating and Thriving, learn more about employee inclusion groups on our website
• Other reasons why you will love it here!
• Connectivity allowance
• 100% prepaid medical plan for the employee and dependents (spouse and children)
• Life insurance
• Funeral insurance (voluntary)
• Performance bonus
• #LI-HYBRID
• #LI-MA1
• Stay connected by joining our Talent Community .
• We're more than just a company - we're a community! Follow us on LinkedIn to see how we support

Benefits

Additional Information

Life Unlimited . At Smith+Nephew we design and manufacture technology that takes the limits off living. Role Overview The Credit Expert - LATAM & Canada is a key regional expert responsible for supporting the execution, control, and continuous improvement of Credit Management activities across multiple countries. Reporting to the Regional Credit Manager, this role plays a critical part in credit risk assessment, operational execution, and compliance, ensuring alignment with Smith+Nephew's global control framework while supporting business growth and cash flow performance. This position combines hands-on operational responsibilities with analytical expertise, acting as a trusted partner to Finance, Commercial, GBS, and Customer Service teams across the region. What will you be doing? Credit Risk Analysis & Decision Support Perform detailed credit assessments for new and existing customers, including financial statement analysis, financial ratios, credit reports, and risk evaluation. Recommend credit limits, risk classifications, and payment terms aligned with business strategy and risk appetite. Support periodic portfolio reviews, proactively identifying emerging risks and exposure trends. Monitor customer creditworthiness and overall credit risk across LATAM and Canada Credit Operations & Execution Execute credit limit setup, reviews, and adjustments in compliance with the Delegation of Authority Matrix (DAM). Perform order release activities within assigned authority, ensuring balance between risk control and business continuity. Implement and maintain payment term changes in ERP systems in line with approved authority levels. Monitor credit limit utilization and headroom, taking proactive actions to prevent blocked orders. Cash Flow & Collections Support Support regional initiatives to reduce DSO, manage overdue balances, and improve cash flow performance. Analyze Accounts Receivable (AR) aging and highlight key risks and action areas. Assist in resolving complex disputes and escalations, ensuring timely closure and root cause identification. Provide input into bad debt provisioning and write-off processes. Governance, Controls & Compliance Ensure compliance with SOX, MAPs, and internal Credit Management policies and controls. Support the maintenance and continuous improvement of Standard Operating Procedures (SOPs). Ensure all activities (credit approvals, order releases, payment term updates) are fully compliant with DAM. Maintain accurate and up-to-date credit data and third-party reporting tools. Stakeholder Collaboration Partner with Regional Credit Manager, Finance Business Partners, Commercial teams, Customer Service, and GBS. Act as a key contact for operational credit topics and escalations within the region. Support alignment between commercial objectives and credit risk management. Contribute insights and analysis to support decision-making at regional level. Continuous Improvement & Reporting Identify and support process improvements, standardization, and automation initiatives. Assist in preparation of credit performance reporting (DSO, overdue, exposure). Contribute to documentation, training, and knowledge sharing within the team. What will you need to be successful? Education Bachelor's degree in Finance, Accounting, Business Administration, or related fields.

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