Experience & Qualifications:

• 5+ years of experience in credit risk management and/or B2B collection

• Proven people management experience

• Strong understanding of credit assessment, exposure management, early and late collection processes

• Experience in an international or matrix organization is an advantage

• Familiarity with Navision, JIRA, CRM, credit scoring tools, and internal workflows.

Skills & Competencies:

• Strong leadership and coaching skills

• Commercial mindset combined with firm risk awareness

• Confident communication, negotiation, and escalation handling

• Analytical, structured, and data-driven approach

• Ability to lead through change and ambiguity

Languages:

• Hungarian – fluent

• English – working proficiency

• Lead, coach, and develop the integrated Credit Risk and Money Collection team
• Define clear roles, priorities, KPIs, and performance expectations across credit risk, early, and late collection
• Build a culture of accountability, cooperation, and continuous improvement
• Support integration and harmonization across legacy organizations and ways of working

• Oversee customer credit assessments, credit limits, payment terms, and exposure management
• Ensure regular and ad-hoc creditworthiness reviews based on financial data, payment behaviour, and external information
• Identify early warning signals and define preventive risk mitigation actions
• Ensure accurate setup and maintenance of credit parameters in ERP systems
• Align local credit decisions with group-level credit policies and framework

• Oversee proactive pre-due and post-due collection activities
• Ensure timely customer communication and effective dispute resolution
• Cooperate closely with Sales and Credit Risk to prevent overdue situations
• Use data and portfolio insights to prioritise early intervention

Late Collection & Overdue Debt Enforcement:

• Manage escalation of overdue receivables and enforcement processes

• Approve and oversee repayment plans, legal actions, and write-off proposals

• Coordinate external partners (legal firms, collection agencies, insolvency administrators)

• Ensure ethical, compliant, and well-documented enforcement practices

Stakeholder Management & Reporting:

• Act as key interface between Finance, Sales, Legal, and HQ stakeholders

• Handle escalated customer and internal cases with professionalism and authority

• Monitor and report KPIs including DSO, aging, exposure, recovery rates, and bad debt risks

• Provide transparent insights and recommendations to management

Process Ownership & Improvement:

• Own and continuously improve end-to-end credit and collection processes

• Drive harmonization of local practices with group standards

• Improve segmentation, prioritization, automation, and data quality

• Contribute to audits, policy updates, and compliance initiatives