Position Responsibilities岗位职责
1.Credit Policy & Process Development信用政策与流程制定
· Set up, execute the local Credit Management Policy, defining rules fcredit rating, credit lines, payment terms, guarantees.制定、执行并更新本地信用管理政策，明确信用评级、信用额度、付款条件和担保的规则。
· Design differentiated credit strategies fend customers distributors.为终端客户和分销商设计差异化的信用策略。
2.Customer Credit Assessment客户信用评估
· Conduct due diligence on new customers (financial statements, industry position, payment history, legal records, etc.).对新客户进行尽职调查（财务报表、行业地位、付款历史、法律记录等）。
· Dynamically adjust credit lines terms based on factors (e.g. price volatility, slow moving stock pressure) distributors criteria. 根据因素（如价格波动、滞销库存压力）和分销商标准，动态调整信用额度和条款。
3.Other & Shipment Risk Control其他及发货风险控制
· Review credit terms in sales contracts; enforce "hold perder" fthose exceeding credit limits payment terms.审核销售合同中的信用条款；对超过信用额度或付款期限的订单实施"订单暂停发货"。
· Coordinate with AR accountant/logistics/warehousing to implement "cash before delivery" "shipment hold" foverdue customers.与应收账款会计/物流/仓储部门协调，对逾期客户实施"款到发货"或"暂停发货"。
4.Risk Data Analysis & Reporting风险数据分析与报告
· Produce monthly credit risk reports covering collection rate, overdue rate, bad debt rate, DSO, etc.制作月度信用风险报告，涵盖收款率、逾期率、坏账率、应收账款周转天数等指标。
· quarterly review credit limit change report。更新季度信用额度变更评审报告
· Build up Credit Assessment Scorecard, bringing a standardized approach to the way customers (both new existing) are assessed.
建立信用评估记分卡，为评估客户（包括新客户和现有客户）提供标准化方法。
· Issue risk alerts based on analysis result (e.g. doubtful debtors) make sure actions that need to be taken. 根据分析结果（如可疑债务人）发布风险预警，并确保采取必要行动。
5.Cross-Functional Collaboration跨部门协作
· Support the accounting in bad debt provisioning reserve calculations.支持会计部门进行坏账计提和准备金计算。
· Train sales staff on credit risk identification collection techniques.为销售人员提供信用风险识别和收款技巧培训。
Requirements 任职要求
1.Bacheldegree above, preferably majoring in economics, accounting finance.本科及以上学历，经济学、会计学或金融学专业优先。
2.Above ten-year experience in credit analysis credit risk management (having experience from 0 to 1 is a plus).十年以上信用分析和信用风险管理经验（有从0到1经验者优先）。
3.Good knowledge in China market.熟悉中国市场。
4.Good credit knowledge capable to make sound credit judgment.良好的信用知识，能够做出合理的信用判断。
5.Good analytical skill.良好的分析能力。
6.Good interpersonal & communication skills.良好的人际交往和沟通能力。
7.Be accurate, methodicalganized.细致、有条理、有组织性。
8.Fluent in spoken written English.英语口语和书写流利。
