Life Unlimited . At Smith+Nephew we design and manufacture technology that takes the limits off living.

Role Overview

The Credit Expert – LATAM & Canada is a key regional expert responsible for supporting the execution, control, and continuous improvement of Credit Management activities across multiple countries.

Reporting to the Regional Credit Manager, this role plays a critical part in credit risk assessment, operational execution, and compliance, ensuring alignment with Smith+Nephew’s integral control framework while supporting business growth and cash flow performance.

This position combines hands-on operational responsibilities with analytical expertise, acting as a trusted partner to Finance, Commercial, GBS, and Customer Service teams across the region.

What will you be doing?

Credit Risk Analysis & Decision Support

- Perform detailed credit assessments for new and existing customers, including financial statement analysis, financial ratios, credit reports, and risk evaluation.

- Recommend credit limits, risk classifications, and payment terms aligned with business strategy and risk appetite.

- Support periodic portfolio reviews, proactively identifying emerging risks and exposure trends.

- Monitor customer creditworthiness and overall credit risk across LATAM and Canada

Credit Operations & Execution

- Execute credit limit setup, reviews, and adjustments in compliance with the Delegation of Authority Matrix (DAM).

- Perform order release activities within assigned authority, ensuring balance between risk control and business continuity.

- Implement and maintain payment term changes in ERP systems in line with approved authority levels.

- Monitor credit limit utilization and headroom, taking proactive actions to prevent blocked orders.

Cash Flow & Collections Support

- Support regional initiatives to reduce DSO, manage overdue balances, and improve cash flow performance.

- Analyze Accounts Receivable (AR)



aging and highlight key risks and action areas.

- Assist in resolving complex disputes and escalations, ensuring timely closure and root cause identification.

- Provide input into bad debt provisioning and write-off processes.

Governance, Controls & Compliance

- Ensure compliance with SOX, MAPs, and internal Credit Management policies and controls.

- Support the maintenance and continuous improvement of Standard Operating Procedures (SOPs).

- Ensure all activities (credit approvals, order releases, payment term updates) are fully compliant with DAM.

- Maintain accurate and up-to-date credit data and third-party reporting tools.

Stakeholder Collaboration

- Partner with Regional Credit Manager, Finance Business Partners, Commercial teams, Customer Service, and GBS.

- Act as a key contact for operational credit topics and escalations within the region.

- Support alignment between commercial objectives and credit risk management.

- Contribute insights and analysis to support decision-making at regional level.

Continuous Improvement & Reporting

- Identify and support process improvements, standardization, and automation initiatives.

- Assist in preparation of credit performance reporting (DSO, overdue, exposure).

- Contribute to documentation, training, and knowledge sharing within the team.

What will you need to be successful?

Education

- Bachelor’s degree in Finance, Accounting, Business Administration, or related fields.

Experience

- +5 years of experience in Credit management / Order-to-Cash.

- Proven hands-on experience in:





- Credit risk analysis and financial statement interpretation.

- Credit limit management and order release processes.

- ERP-based payment term management .

- Experience in multinational, multi-country environments (preferred).

Technical Skills

- Strong knowledge of Collections, Order-to-Cash processes and Credit Management practices.

- Experience with SAP or AX ERP systems (preferred).

- Advanced Microsoft Excel skills (data analysis and reporting).

- Familiarity with credit risk tools and external credit agencies.

Core Competencies

- Strong analytical and problem-solving skills.

- High level of attention to detail and control awareness.

- Ability to balance risk management with commercial needs.

- Effective communication and stakeholder engagement skills.

- Proactive, adaptable, and continuous improvement mindset.

Languages

- Intermediate English skills

- Portuguese (desirable).

You. Unlimited

We believe in creating the greatest good for society. Our strongest investments are in our people and the patients we serve.

Inclusion+belonging : Committed to Welcoming, Celebrating and Thriving, learn more about employee inclusion groups on our website

Other reasons why you will love it here!

- Connectivity allowance

- 100% prepaid medical plan for the employee and dependents (spouse and children)

- Life insurance

- Funeral insurance (voluntary)

- Performance bonus

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📌 OTC Expert Credit Management (Bogotá) (Colombia)
🏢 Smith & Nephew
📍 Colombia