Analyst / Senior Analyst, Credit Risk Management

Would you like to join a global, growing company that innovates for a more sustainable tomorrow? UPM could be the team for you. We are frontrunners in developing renewable alternatives to fossil-based materials. Besides enabling both businesses and consumers make more sustainable choices, we strive to create a positive UPM experience for all our employees around the world. We live by our values – trust and be trusted, achieve together, renew with courage. Join us in creating a future beyond fossils!

We are now looking for an Analyst or Senior Analyst, Credit Risk Management to join our Credit Risk Management team in Helsinki, Finland.

Greetings from your future manager

“We work with modern tools emphasizing the operational efficiency and continuous end-to-end development to enable our teams to focus on the most value-adding activities in influencing and guiding the UPM Businesses, for example in B2B credit risk management. In this position, you’ll get to cooperate with customers, colleagues, and stakeholders across finance and business organizations globally enabling professional growth within and beyond the Customer-to-Cash operations and processes. This is a great opportunity for you to join our international team with global scope!” – Tero Haapiainen, Senior Manager, Credit Risk Management

What you’ll do

The position holder is responsible for customer credit risk identification and mitigation within a designated customer portfolio.

Your main tasks are:

• Driving customer risk profile quality to reduce credit risks together with sales

• Delivering timely and high-quality reporting for business areas and credit insurer

• Supporting and steering businesses in credit related decisions

• Participating in credit limit negotiations and customer interviews with credit insurer

• Performing and following up the compliance of defined internal controls actively

• Participating in credit process development and continuous improvement activities together with other customer operations in finance and business teams

• Cooperating daily with UPM’s global Sales Teams, Customer Service, Collections, and other internal and external stakeholders

Who you are

• You have a master’s degree in economics, finance, or similar

• You have at least 1-3 years of relevant experience in international credit risk management or similar

• You have strong analytical capabilities and solid understanding on financial analysis

• You have in-depth knowledge and experience on B2B trade and trade credit insurance

• You have good negotiation skills, as well as very good communication and presentation skills

• You have good cooperation skills, and you are used to work in a global matrix organization

• You are fluent in English, other language skills are an asset

• You are willing to travel to UPM business and customer sites globally

This is what we offer for you

• A meaningful job – We have an inspiring purpose ‘We create a future beyond fossils.’ Our work is impactful and transformative.

• A caring community – Our community is built on great team spirit and shared commitment. We care about each other and the well-being of our colleagues. We support the work-life balance of all our employees.

• Development opportunities – We offer you great opportunities to learn and grow throughout your career. We are an international, multi-business organization offering plenty of avenues for personal growth.

• Responsible employer - Sustainability is at the core of everything we do. We are committed to ambitious, science-based sustainability targets in all areas from climate change to biodiversity. We foster diversity and inclusivity, offering a work environment in which everyone can be themselves.

Learn about our Rewarding and our Ways of working

Additional information

The position holder will report to Tero Haapiainen, Senior Manager, Credit Risk Management, Customer Operations in Finance, Finance & Control.

For further information, please contact Tero Haapiainen, tel. +358503415592 on November 30th at 10:00-11:00 EET or December 7th at 10:00-11:00 EET.

Please apply by clicking the Apply button and attach your CV and Cover Letter by 13 December 2023. Please notice that we will go through the applications already during the application period and may invite candidates for interviews already before the end of the application period.

For support with submitting your application, please contact the HR Service Center at careers@upm.com or tel. +358204146600.

A security background check may be performed for those selected to UPM positions, in accordance with the company recruitment guidelines and the Security Clearance Act 726/2014.

We deliver renewable and responsible solutions and innovate for a future beyond fossils across six business areas: UPM Fibres, UPM Energy, UPM Raflatac, UPM Specialty Papers, UPM Communication Papers and UPM Plywood. As the industry leader in responsibility, we are committed to the UN Business Ambition for 1.5°C and the science-based targets to mitigate climate change. We employ 17,000 people worldwide and our annual sales are approximately EUR 9.8 billion. Our shares are listed on Nasdaq Helsinki Ltd. UPM Biofore – Beyond fossils. www.upm.com

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