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)
🏢 Smith+Nephew
📍 Bogotá