Job Title Credit Risk Analyst Job Description Credit Risk Analyst As a Credit Risk Analyst at Philips, you will help protect and enable the business by evaluating the financial health of our customers and supporting informed credit decisions. You will assess credit risk for business-to-business (B2B) customers, establish appropriate credit limits, monitor customer exposures, and recommend actions that balance business growth with risk management. Your role: Analyze customer financial statements, credit reports, payment history, and other risk indicators to evaluate creditworthiness and determine appropriate credit limits and risk classifications. Manage and monitor customer credit exposure, applying risk mitigation tools such as credit insurance, letters of credit, guarantees, and other financial instruments. Execute credit risk and accounting processes, including period-end closing activities, reconciliations, internal controls, and compliance reviews to ensure accurate and timely financial reporting. Review account balances and customer portfolios, identify potential risks or discrepancies, and implement corrective actions when needed. Support the release of blocked orders by collaborating with Sales, Finance, Customer Service, and other stakeholders while ensuring adherence to company credit policies. Prepare credit analyses, reports, dashboards, and presentations for management and credit risk committees, translating financial data into actionable business recommendations. You're the right fit if: You have 4+ years of experience in Credit Risk Management, Financial Analysis, Accounts Receivable Management, or related finance functions. You have solid experience performing B2B credit risk assessments, analyzing financial statements, evaluating customer creditworthiness, and making credit recommendations. Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related field (or equivalent combination of education and experience). You have advanced Excel skills, including functions such as VLOOKUP, XLOOKUP, Pivot Tables, and data analysis tools. You’re a strong communicator (persuasive and assertive), proactive in problem solving and coordinating competing priorities. How we work together We believe that we are better together than apart. For our office-based teams, this means working in-person at least 3 days per week. This is an office-based role located in Costa del Este. About Philips We are a health technology company. We built our entire company around the belief that every human matters, and we won't stop until everybody everywhere has access to the quality healthcare that we all deserve. Do the work of your life to help the lives of others. • Learn more about our business. • Discover our rich and exciting history. • Learn more about our purpose. If you’re interested in this role and have many, but not all, of the experiences needed, we encourage you to apply. You may still be the right candidate for this or other opportunities at Philips. Learn more about our culture of impact with care here. At Philips, we believe that every human matters. As a global health-tech leader, we focus on improving people’s health and wellbeing through meaningful innovation. The people who work here share our passion and are motivated to bring this purpose to life. For more than 130 years, we have been creating technologies and innovations that improve people's lives and support healthcare practitioners. Headquartered in the Netherlands and operating in more than 100 countries globally, we focus our advanced technology and deep clinical and consumer insights on Precision Diagnosis, Image Guided Therapy, Enterprise Informatics, Monitoring/ Connected Care, Sleep & Respiratory Care and Personal Health. Together, we deliver better care for more people because we believe that every human matters. That's why we're taking steps to create an environment where we acknowledge and embrace our differences and uniqueness and listen to and value each other's views. When people feel cared for and listened to, they bring their best qualities to work, leading to better collaboration, communication, innovation and success. It is the policy of Philips to provide equal employment and advancement opportunities to all qualified employees and applicants for employment without regard to race, color, religion, sex, pregnancy/childbirth or related medical conditions, age, ethnic or national origin, sexual orientation, gender identity or expression, physical or mental disability, genetic information, citizenship status, veteran or military status, marital or domestic partner status or any other characteristic protected by law. As an equal opportunity employer, Philips is committed to fostering a culture where all are treated with respect and professionalism. To ensure reasonable accommodations for individuals protected by Section 503 of the Rehabilitation Act of 1973, the Vietnam Veterans' Readjustment Act of 1974 and Title I of the Americans with Disabilities Act of 1990, applicants that require accommodation in the job application process may contact 888-367-7223, option 5, for assistance. 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