Credit Risk & Process Improvement Analyst

At Sonae Arauco, people and wood are what truly inspire us. By wood because, after all, we are one of the world’s main producers of renewable wood-based solutions for furniture, interior design and the construction sectors. We are passionate and committed to wood because we know its value. And by our people because we truly believe they take the company further and make us what we are. After all, it takes extraordinary people to work with this outstanding raw material.

Being part of Sonae Arauco means joining an international and future-oriented company, where sustainability is an integral part of the business strategy and diversity is part of everyday life. In fact, we are located in nine countries and have around 2,600 employees of 37 nationalities.

Together, we aim to improve people’s lives, through solutions inspired by wood. Join us in taking wood further.

We are looking for a dynamic and analytical professional to strengthen our Credit Control team.
This role combines financial analysis, credit risk assessment, and continuous process improvement, contributing directly to sound decision-making, operational efficiency, and stronger internal controls.

You will interact with multiple stakeholders (Finance, Operations, IT, Sales, and Insurers), playing a key role in safeguarding financial performance while driving smarter and more efficient processes.

Main Responsibilities

Credit Risk Analysis

Conduct detailed financial analysis, including balance sheet, P&L, and cash flow assessments.
Monitor credit exposure and overall portfolio performance.
Support the definition and review of credit risk policies and limit frameworks.
Manage credit insurance policies, including limit requests, claims, and renewals.
Act as a key contact for insurers, supporting negotiations and ensuring coverage adequacy.

Process Management & Continuous Improvement

Lead continuous improvement initiatives to streamline workflows and eliminate bottlenecks.
Develop and implement automation solutions (e.g., Excel macros, dashboards, Power BI, ERP enhancements).
Automate reports, analyses, and operational routines to support faster, data‑driven decision‑making.
Drive digitalization and/or robotization initiatives in collaboration with IT and RPA teams.

Profile

Bachelor’s or master’s degree in Finance, Accounting, Economics, Management, Engineering, or a related field.
3–5 years of experience in credit risk analysis, financial analysis, credit insurance, financial services, or operations analysis, process improvement, or data science.
Knowledge of credit scoring models and risk assessment tools.
Ability to negotiate with insurers and collaborate effectively with internal stakeholders.
Familiarity with ERP systems such as SAP S/4HANA (mandatory) and credit management software (plus).
Proficiency in Microsoft Office (Excel, PowerPoint); experience with dashboards or automation tools is a strong plus.
Fluent in Portuguese and English (mandatory); German (preferred / strong plus)
Proactive mindset with a strong interest in automation, digitalization, and new technologies.
Strong problem‑solving attitude, accuracy, and attention to detail.
Ability to work effectively under pressure, take ownership, move quickly, and promote continuous improvement.

Sonae Arauco, taking people further.

For more information, please contact the HR Department - hr@sonaearauco.com

Segmento de Emprego: Business Process, Engineer, ERP, SAP, Management, Bilingual, Engineering, Technology

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