Credit Risk Analyst / Senior Credit Risk Analyst

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Alkuperäinen julkaisupäivä 3.1.2022

Credit Risk Analyst / Senior Credit Risk Analyst

Are you looking to join a dynamic, innovation-driven, international company, building a better future for us all? UPM leads the forest based bioindustry into a sustainable, innovation-driven, and exciting future. The competence, integrity and drive of our people make us unique. We live by our values – trust and be trusted, achieve together, renew with courage.

We are now looking for a Credit Risk Analyst or Senior Credit Risk Analyst to join UPM Credit Risk Management team in Helsinki, Finland. The position is a fixed-term for approximately 2 years.

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:

  • Being responsible for credit risk analysis of designated customer portfolios

  • 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

  • Managing escalated credit risk and collection cases

  • Actively performing and following up the compliance of defined internal controls

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

  • Daily co-operation with UPM’s Global Sales Team, Customer Service, Collections and other internal and external stakeholders

Who you are

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

  • You have more than 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 very good communication and presentation skills

  • You have good co-operation skills, and you are used to working in a global matrix organization

  • You are solution-oriented and have a problem-solving mindset 

  • You have good negotiation skills

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

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

  • You are used to work in a fast-paced environment

This is what we offer for you

  • Meaningful job: We are proud of what we do. Our work highlights the expertise of our personnel, the high quality of our products and the company's values.

  • Inspired and motivated teams: We have highly skilled workforce. We are a multifaceted, international organization that works as a team to achieve our shared objectives.

  • Development opportunities: With us you can build up your expertise. We provide opportunities to support your development throughout every stage of your career.

  • Responsibility for people and environment: Our ethical principles embrace people as well as the environment. We are always striving to build a more sustainable future.

Additional information

The position holder will report to Jarno Saario, Director, Credit Risk Management, Finance & Control.

For further information, please contact Jarno Saario, tel. +358505917725.

Please apply by clicking the Apply button by the end of January 19th, 2022.

For support with submitting your application, please contact the HR Service Center at 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.

UPM is a non-smoking workplace in Finland.

We deliver renewable and responsible solutions and innovate for a future beyond fossils across six business areas: UPM Biorefining, 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 18,000 people worldwide and our annual sales are approximately EUR 8.6 billion. Our shares are listed on Nasdaq Helsinki Ltd. UPM Biofore – Beyond fossils.

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