Credit Analyst – EMEA Credit Risk Management

About the role

This position is based in the Tunisia Shared Service Center and focuses on end‑to‑end credit risk management for EMEA customers. The Credit Analyst will support regional business teams by delivering standardized, compliant, and data‑driven credit control operations.

Key responsibilities

• Independently analyze customer financial statements, evaluating liquidity, leverage, profitability and working‑capital sustainability.
• Conduct full‑cycle credit assessments for new onboarding, annual reviews and limit adjustments across EMEA entities.
• Perform due‑diligence and data validation, summarising risk red flags and providing objective risk judgments.
• Prepare standardized credit analysis reports with risk ratings, limit proposals and mitigation recommendations.
• Monitor portfolio quality, track aging AR, high‑exposure accounts and trigger early‑warning alerts.
• Ensure strict adherence to global credit policies and collaborate with sales, finance and operations teams.

Required profile

• Bachelor’s degree in Finance, Accounting, Economics, Risk Management or related field.
• Solid foundation in financial statement analysis and corporate credit risk assessment.
• Good business English (written & spoken) for preparing reports and communicating with EMEA stakeholders.
• Strong logical thinking, data sensitivity and risk awareness; careful, responsible and process‑oriented.

Required skills

• Financial statement analysis (balance sheet, income statement, cash flow).
• Credit risk assessment and limit review.
• Risk monitoring and early‑warning alert generation.
• Preparation of credit analysis reports in English.