The Treasury / AP-AR / Credit Analyst (LATAM) will ensure strong day-to-day execution and continuous improvement of cash flow management, treasury operations, accounts payable and receivable, and credit & collections across LATAM. The role is highly cross-functional and bank-facing, with a focus on forecast accuracy, working capital discipline, compliance, and process standardization in a multi-country environment.

Key Responsibilities

Cash Flow & Working Capital

• Manage short- and mid-term cash flow: forecasting, scenario planning, variance analysis, and weekly/monthly cash positioning.
• Plan and optimize payments and collections to support liquidity and working capital targets.
• Prepare cash flow reports and insights for Finance leadership and business stakeholders.

Treasury Operations

• Execute treasury routines: payment scheduling and release according to approval matrix, bank balance control, cash positions, due dates, and financial calendar.
• Maintain operational interface with banks: bank account maintenance, signatories, master data updates, daily follow-ups, and issue resolution.
• Support implementation and monitoring of treasury controls (e.g., segregation of duties, approval workflows).

Accounts Payable (AP) & Accounts Receivable (AR)

• Execute and continuously improve AP/AR routines: document validation, postings, bank reconciliations, and clearing.
• Coordinate collections activities, customer follow-ups, and negotiation of payment agreements.
• Monitor AR aging, dispute resolution status, and drive actions to reduce overdue balances.

Credit & Risk

• Support the Credit Policy: credit analysis and risk assessment, definition/update of credit limits and guarantees, periodic reviews, and exposure monitoring.
• Track delinquency trends and propose mitigation strategies (guarantees, renegotiations, settlement plans).
• Partner with Sales and Customer Service to balance commercial growth with risk control.

Contracts, Closing & Compliance

• Administer and monitor key financial/commercial contract terms (payment clauses, guarantees, validity, and SLAs) in coordination with Controlling/Legal.
• Support month-end closing: reconciliations, supporting schedules, variance analysis, and data quality checks.
• Ensure compliance with internal policies, internal controls, audit requirements, and applicable regulations; support internal/external audits.

Process & Systems Improvement

• Drive improvements in ERP and automation (workflows, templates, reporting), and track operational KPIs (e.g., forecast accuracy, overdue %, DSO, on-time payments).
• Maintain governance of customer/vendor master data, banking details, and payment terms; ensure data integrity and privacy compliance (e.g., LGPD where applicable).

LATAM Collaboration (Language-Critical)

• Act as a key finance partner across LATAM, requiring strong communication in English and/or Spanish for regional alignment, shared services interaction, and coordination with banks and internal stakeholders across multiple countries.

Requirements

Education

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

Experience (Mid–Senior)

• Solid experience in Treasury, AP, AR, bank reconciliations, and month-end closing.
• Strong hands-on background in cash flow forecasting, collections, delinquency management, and credit analysis/credit limit management.
• Proven experience dealing with banks and banking routines (payments, account maintenance, daily controls).

Tools & Knowledge

• Strong proficiency in ERP systems (e.g., SAP, Oracle, TOTVS, or similar) and advanced Excel.
• Familiarity with internal controls, compliance, and audit practices.
• Knowledge of data privacy requirements related to financial/master data (e.g., LGPD in Brazil) is a plus.

Languages (Important)

• English and/or Spanish: professional working proficiency required (must be able to run meetings, negotiate, and write emails).