Financial Services Analyst

Financial Services Analyst – Credit & Cash Management

Department: Finance

Reports To: Financial Services Manager

Location: Miami, Florida (near airport)

Work Schedule: Hybrid – 3 days in office, 2 days remote

Direct Reports: None

Position Summary

This role is responsible for strengthening cash flow performance, managing credit exposure, and supporting accurate financial reporting across multiple markets. The analyst works cross-functionally with Finance, Commercial teams, customers, and external partners to balance risk management with business growth.

The position blends credit analysis, cash forecasting, collections oversight, and accounting responsibilities, with a strong focus on data-driven decision-making and continuous process improvement in a dynamic, multi-market environment.

Core Responsibilities

1. Credit & Risk Oversight

• Evaluate and approve customer credit within established policies and authority levels
• Analyze financial statements and risk profiles to determine creditworthiness
• Maintain and adjust customer credit limits based on ongoing risk assessments
• Collaborate with commercial teams to manage credit holds and support order processing
• Prepare and contribute to credit review meetings, including documentation of decisions
• Monitor risk ratings, bad debt exposure, and compliance with credit policies
• Manage credit insurance coverage and coordinate with providers
• Identify emerging risks and recommend mitigation strategies

2. Cash Flow & Working Capital Management

• Develop and maintain cash forecasts and budgets, including variance analysis
• Conduct cash-in/cash-out (CICO) analysis to evaluate liquidity drivers
• Partner with stakeholders to improve cash conversion cycles and reduce receivables
• Report cash performance, risks, and opportunities to finance leadership
• Support initiatives to meet collection targets and reduce days sales outstanding (DSO)

3. Collections & Stakeholder Collaboration

• Oversee the full collections cycle, including follow-ups and dispute resolution
• Build strong relationships with customers to improve payment behavior
• Partner with internal teams to resolve billing discrepancies and deductions
• Ensure accurate payment application and account reconciliation
• Provide clear visibility into customer account status and aging

4. Accounting, Controls & Compliance

• Prepare and post journal entries, including accruals and intercompany transactions
• Reconcile balance sheet accounts and resolve discrepancies promptly
• Assist with internal and external audits by providing required documentation
• Maintain intercompany accounts and support consolidation processes
• Review accounts receivable aging and deliver insights to management
• Support expense reporting processes, audits, and onboarding activities

5. Data, Systems & Process Improvement

• Generate and analyze KPIs, including DSO and cash performance metrics
• Use data and analytics to enhance forecasting and reporting accuracy
• Identify and implement process and system improvements
• Maintain documentation for financial processes and controls

Qualifications

Education

• Bachelor’s degree in Finance, Accounting, or a related field (required)
• MBA or professional certification (preferred)

Experience

• 3–5 years of experience in finance, accounting, credit, or cash management
• Demonstrated ability in financial analysis, credit risk evaluation, and cash flow optimization
• Familiarity with IFRS and US GAAP, including audit support
• Experience working in cross-functional or regional environments

Skills & Competencies

• Advanced Excel and financial analysis capabilities
• Experience with ERP systems (JDE/E1 preferred) and reporting tools
• Strong communication and presentation skills
• High attention to detail with the ability to manage competing priorities
• Proactive, collaborative, and solutions-focused mindset
• Sound judgment and strong ownership of responsibilities

Additional Requirements

• Fluency in both English and Spanish (required) to effectively support Latin American and Caribbean markets
• Ability to work in a hybrid environment (3 days in-office, 2 days remote)
• Must be able to work from the Miami, Florida office (near the airport)