Credit And Collections Analyst

About the Company

SourceHuboperates as a Shared Services Center (SSC) for theScanSourceGroup a U.S.-based multinational company founded in 1992 and headquartered in Greenville South Carolina. ScanSource specializes in the distribution of global technology products and services from leading partners such asMicrosoft Dell HP Intel andLenovo delivering innovation and support that drive our customers digital transformation.

AsSourceHub we are responsible for delivering Finance and Accounting Human Resources Information Technology Procurement and Supply Chain Legal and Compliance and general administrative services with efficiency and quality.

We are currently seeking a Mid to Senior Credit Analyst to join our Credit and Collections team supporting and executing credit risk activities ensuring portfolio health and enabling sustainable business growth.

This professional will be responsible for evaluating client creditworthiness managing financial risk monitoring portfolio performance and collaborating with internal teams to balance risk mitigation and commercial opportunities in an international environment.

• Evaluate and monitor client creditworthiness by analyzing financial statements including Balance Sheet Income Statement (P&L) Cash Flow and credit history.
• Perform financial analysis using key indicators (liquidity leverage profitability) to define credit limits and support decision-making.
• Analyze economic scenarios market trends and cash flow projections to assess potential risks and business opportunities.
• Manage credit risk by calculating default probability issuing credit recommendations classifying portfolios and monitoring asset quality.
• Review and approve credit applications ensuring compliance with internal policies and regulatory requirements.
• Monitor overdue accounts follow up on payments and actively manage collections processes including negotiations and recovery strategies.
• Support contract adjustments and propose guarantees to mitigate financial risks.
• Prepare and maintain financial and operational reports including KPIs such as DSO aging overdue balances and provisions.
• Support audits due diligence processes and documentation requests related to credit and collections activities.
• Collaborate cross-functionally with Sales Legal and Finance teams to align credit terms resolve disputes and improve risk management practices.
• Perform operational activities such as consulting credit bureaus (e.g. Serasa SPC) reconciling accounts and maintaining updated financial records.
• Contribute to the continuous improvement of credit processes controls and reporting standards.

• Bachelors degree in Business Administration Accounting Economics or related fields.
• Minimum of 3 years of experience in credit analysis collections or related financial areas preferably with corporate clients (B2B/PJ).
• Solid knowledge of financial analysis including ratios credit risk assessment and cash flow evaluation.
• Advanced English (B2/C1) with the ability to communicate effectively in international environments including meetings and reporting.
• Advanced proficiency in Microsoft Excel (pivot tables financial analysis scenario building).
• Experience with ERP systems (SAP Oracle Totvs Protheus or similar).
• Familiarity with credit bureaus scoring tools and financial risk systems.
• Knowledge of regulatory requirements (e.g. Central Bank guidelines KYC/AML policies).
• Strong analytical skills attention to detail and ability to manage high volumes of information.
• Proactive mindset strong prioritization skills and ability to handle competing demands in a dynamic environment.
• Excellent communication and negotiation skills with the ability to interact effectively with internal teams and external stakeholders.

• Competitive salary aligned with current market standards.
• Meal and/or food allowance (BRL 40.00 per business day).
• Transportation allowance or free on-site parking.
• Health insurance plan.
• Dental insurance plan.
• Hybrid work model (3 days on-site and 2 days remote).
• Must reside in Curitiba PR or the surrounding metropolitan area.
• Annual Profit-Sharing Program (PPR) based on performance and goal achievement.
• Birthday Day Off.
• Life insurance.