Accounts Receivable and Credit Analyst

Nice to meet you, We Are Suzano!

At Suzano, we believe innovation and sustainability go hand in hand. This union gave rise to a meaningful attitude: innovability, which guides us in thinking outside the box and looking beyond to tackle the challenges of the 21st century. We plant and grow trees. We transform this renewable raw material into innovative and sustainable bioproducts that are part of the everyday life of over 2 billion people. We cultivate life on the sheet of the notebook that teaches children, in the diaper that protects babies, in the biodegradable cup of coffee that does not harm the environment, in absorbent papers and in the convenience of using sustainable packaging.

Get to know us in 2 minutes!

https://www.youtube.com/watch?v=ed9ZhpyTJXI

About the Role:

Suzano is expanding its operations in the U.S. and is seeking a highly motivated Accounts Receivable, Credit, and Cash Management Analyst to join our finance team. This position plays a critical role in managing credit operations, overseeing accounts receivable processes, and ensuring effective cash management. The ideal candidate will have strong analytical skills, financial expertise, and experience working in a high-exposure role within a dynamic and fast-paced environment.

What You’re Going to Do:

Accounts Receivable Management:

• Monitor and control the accounts receivable process, ensuring timely collections and accurate payment application in SAP.
• Conduct bank reconciliations and ensure proper revenue allocation.
• Establish and maintain communication with customers to guarantee on-time payments.
• Negotiate payment terms and conditions with delinquent accounts.
• Manage rebates, including setup, calculation, and issuance of credit notes.
• Analyze aging reports and implement actions to minimize outstanding balances.
• Provide financial insights and reports to accounting, trade finance, and audit teams.
• Maintain and control doubtful debt provisions (PECLD) and ensure compliance with internal policies.
• Ensure proper documentation and archiving for audit purposes.

Credit Risk Management:

• Monitor and assess credit risk exposure for Suzano in North America.
• Approve and control credit limits and invoicing processes in SAP.
• Evaluate and recommend credit limit exceptions, extensions, and new customer approvals.
• Propose guarantees and strategies to mitigate portfolio risk.
• Identify and track key performance indicators (KPIs) related to credit risk.
• Represent the finance team in discussions related to credit policies and risk management.
• Ensure compliance with SOX controls and internal financial regulations.
• Provide market insights regarding customer credit trends to support strategic decisions.

Cash Management:

• Report daily cash positions, weekly inflows, and outflows.
• Analyze disbursements and forecast cash flow projections.
• Manage bank-related processes, including KYC, account openings/closings, and documentation.
• Collaborate with Shared Services and BPO teams to improve banking interfaces and payment processes.

What We Expect from You:

Education & Experience:

• Bachelor's degree in Finance, Economics, Accounting, or a related field.
• 3-5 years of experience in accounts receivable, credit, or financial analysis.
• Strong understanding of financial controls, cash management, and credit operations.
• Experience working with SAP.

Skills & Competencies:

• Proficiency in Microsoft Excel; Power BI knowledge is a plus.
• Strong analytical skills and attention to detail.
• Ability to work independently and take ownership of financial processes.
• Excellent communication skills and ability to engage with key stakeholders.
• High adaptability to digital tools and financial systems.
• Experience working in high-revenue environments with significant financial exposure.

What We’re Looking For:

• Ownership & Responsibility: Ability to take full ownership of financial processes and drive results.
• Financial Expertise: Strong background in credit, receivables, and cash management.
• Problem-Solving Mindset: Ability to navigate complex financial situations and propose solutions.
• High Exposure & Communication: Experience handling high-level financial transactions with leadership visibility.
• Process Improvement: Commitment to optimizing and automating financial operations.
• Professionals who share our values Suzano - People and Culture. Read more here: https://www.suzano.com.br/en/suzano/about-us/people-and-culture

We are pleased to offer an attractive compensation and benefits package for this role, which includes:

• Medical, Dental, and Vision Insurance: Comprehensive coverage options to support your health and well-being.
• Life and AD&D Insurance: Financial protection for you and your loved ones.
• Disability Insurance: Short-term and long-term disability coverage to protect your income.
• 401(k) Retirement Plan: Company matching contributions to help you save for the future.
• Employee Assistance Program (EAP): Support for personal and work-related issues.
• Wellness Programs: Access to programs promoting physical and mental health.
• Employee Discount Program: Discounts on various products and services, including travel, electronics, and more.

As a global company, we take pride in our diverse workforce and place a strong emphasis on equal opportunities and diversity. We invite everyone who is enthusiastic about our company to apply, regardless of age, disability, ethnic origin, gender, or religion.

If we have piqued your interest, we look forward to receiving your application.

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