Financial Services Analyst – Credit & Cash Management
Department: Finance
Reports To: Financial Services Manager
Location: Miami, Florida (near airport)
Work Schedule: Hybrid – 3 days in office, 2 days remote
Direct Reports: None
Position Summary
This role is responsible for strengthening cash flow performance, managing credit exposure, and supporting accurate financial reporting across multiple markets. The analyst works cross-functionally with Finance, Commercial teams, customers, and external partners to balance risk management with business growth.
The position blends credit analysis, cash forecasting, collections oversight, and accounting responsibilities, with a strong focus on data-driven decision-making and continuous process improvement in a dynamic, multi-market environment.
Core Responsibilities
- Evaluate and approve customer credit within established policies and authority levels
- Analyze financial statements and risk profiles to determine creditworthiness
- Maintain and adjust customer credit limits based on ongoing risk assessments
- Collaborate with commercial teams to manage credit holds and support order processing
- Prepare and contribute to credit review meetings, including documentation of decisions
- Monitor risk ratings, bad debt exposure, and compliance with credit policies
- Manage credit insurance coverage and coordinate with providers
- Identify emerging risks and recommend mitigation strategies
- Develop and maintain cash forecasts and budgets, including variance analysis
- Conduct cash-in/cash-out (CICO) analysis to evaluate liquidity drivers
- Partner with stakeholders to improve cash conversion cycles and reduce receivables
- Report cash performance, risks, and opportunities to finance leadership
- Support initiatives to meet collection targets and reduce days sales outstanding (DSO)
- Oversee the full collections cycle, including follow-ups and dispute resolution
- Build strong relationships with customers to improve payment behavior
- Partner with internal teams to resolve billing discrepancies and deductions
- Ensure accurate payment application and account reconciliation
- Provide clear visibility into customer account status and aging
- Prepare and post journal entries, including accruals and intercompany transactions
- Reconcile balance sheet accounts and resolve discrepancies promptly
- Assist with internal and external audits by providing required documentation
- Maintain intercompany accounts and support consolidation processes
- Review accounts receivable aging and deliver insights to management
- Support expense reporting processes, audits, and onboarding activities
- Generate and analyze KPIs, including DSO and cash performance metrics
- Use data and analytics to enhance forecasting and reporting accuracy
- Identify and implement process and system improvements
- Maintain documentation for financial processes and controls
Qualifications
Education
- Bachelor’s degree in Finance, Accounting, or a related field (required)
- MBA or professional certification (preferred)
Experience
- 3–5+ years of experience in finance, accounting, credit, or cash management
- Demonstrated ability in financial analysis, credit risk evaluation, and cash flow optimization
- Familiarity with IFRS and US GAAP, including audit support
- Experience working in cross-functional or regional environments
Skills & Competencies
- Advanced Excel and financial analysis capabilities
- Experience with ERP systems (JDE/E1 preferred) and reporting tools
- Strong communication and presentation skills
- High attention to detail with the ability to manage competing priorities
- Proactive, collaborative, and solutions-focused mindset
- Sound judgment and strong ownership of responsibilities
Additional Requirements
- Fluency in both English and Spanish (required) to effectively support Latin American and Caribbean markets
- Ability to work in a hybrid environment (3 days in-office, 2 days remote)
- Must be able to work from the Miami, Florida office (near the airport)