About this role
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.
Experience
• +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
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