Seniority Level:
#Talent
Brewing the world’s most loved beers and building brands consumers love, AB InBev is where ownership, ambition, and action thrive. Our portfolio of iconic brands includes global classics like Stella Artois and Corona, and well-known favorites such as Samson, Leffe, and Hoegaarden.
We empower you to dream big, lead change, and create a long-lasting legacy. We value relentless problem-solvers who take accountability, embrace challenges, and turn bold goals into results through resilience and hard work.
That’s Who We Are: Come and OWN IT.
What's in it for you:
- Benefits for you and your family to help your physical and mental health
- Competitive parental leave and pension contributions (2,5%)
- 25 days holidays per year
- Employee benefits to help your physical and mental health and overall wellbeing (Accident, Health and Luggage insurance, discounted services like HP Market, Multisport Card, GS Pharmaceuticals, etc.)
- A beer allowance to enjoy our brands
- Meal vouchers
- Global Bonus
- 26 weeks paid leave for mothers
As a Senior Credit Risk Analyst, you will be responsible for conducting creditworthiness checks for new customers, monitoring risk for existing customers, and calculating credit limits. You will serve as the main point of contact (SPOC) for Sales teams, Collections officers, and the Credit Manager regarding risk assessment methodologies and the granting of commercial credit to our customers. You will also have the opportunity to work on projects focused on increasing efficiency and standardizing credit assessment and credit limit calculation models using internal and external data sources for the BENELUX or UK & BU Central regions.
What will you be doing:
- Take part in projects focused on increasing efficiency and standardizing credit assessment and credit limit calculation models for the BENELUX or UK & BU Central markets.
- Monitor key performance indicators related to customer payment behavior and receivables development.
- Receive and review requests from Sales teams and assess the credit risk of new customers, including analyzing external credit reports and identified risks.
- Request credit reports from external credit agencies and analyze the risks indicated in the report.
- Provide a list of active customers to external credit agencies for regular credit data updates.
- Monitor the credit risk of existing customers, including ad‑hoc reviews of risk categories and credit limits.
- Analyze internal credit history, including payment behavior and any bad debt experience.
- Collect additional information from Sales teams and open sources (e.g., media).
- Review requested payment terms and recommend their approval or rejection based on customer risk.
- Advise Sales teams on additional collateral to reduce the risk of commercial losses.
- Initiate and track the approval process for risk categories and credit limits according to the approval matrix.
- Calculate risk categories based on external data and SAP payment behavior data, and revise system‑generated suggestions where needed.
- Review daily high‑risk alerts from external agencies and assess their potential impact.
- Inform the Collections and Sales teams about identified risks and propose mitigation actions.
- Review monthly updates on less‑critical changes from external agencies and adjust risk categories accordingly.
- Update and maintain customer master data in SAP (credit scores, limit calculation parameters, and adjustments to existing records).
- Participate in initiatives aimed at improving credit risk management processes and overall optimization.
- Monitor KPIs related to receivables, overdue payments, commercial losses, and the impact of credit limitations.
- Use analytical tools such as Excel, Power BI and SAP to visualize data and translate insights into actionable recommendations.
What you will bring:
- Interest in the area of credit risk – the role is suitable for university graduates as well as candidates with a high‑school diploma.
- Strong analytical thinking and the ability to work with data.
- Good knowledge of Excel (ideally being able to use some advanced functions such as VLOOKUP or pivot tables).
- Proactive mindset, ability to take ownership and strong communication skills.
- A constructive and practical approach to problem‑solving and communication.
- Willingness to learn new things and develop in the field of credit risk.
- English at a working proficiency level.
- It is an advantage if you have (but not necessary) experience in finance, credit risk or data or financial analytics or credit processes
WHAT IT MEANS TO BE ONE OF US
OWN IT
Ownership is at the foundation of everything we do.
We look for owners who are empowered to lead positive change and take accountability for their results. When we come together, we don’t let our titles define us; we push each other to find the best solutions for our business strategy.
DREAM BIG
We dream big because we believe that through collective focus, discipline, and the strength of our teams, we can achieve anything. We empower our owners to push the boundaries of what’s possible to deliver on our strategy and purpose.
We look for people with passion, curiosity, and ambition to make a difference and grow with our business.
MAKE IT HAPPEN
We know that our actions matter more than words. We walk the talk, for there is no such thing as "this is not my problem."
We value resilience and commitment to excellence when facing challenges. We look for people who know how to transform big dreams into measurable results and shared success through hard work, consistency, and long-term thinking.
#LI-ABI ZoneEUR
