mazowieckie / Warszawa
Credit & Collections Expert (m/f/d)
2026-08-08
At JTI we celebrate differences, and everyone truly belongs. 46,000 people from all over the world are continuously building their unique success story with us. 83% of employees feel happy working at JTI.
To make a difference with us, all you need to do is bring your human best.
What will your story be? Apply now!
Learn more: jti.com
Credit & Collections Expert (m/f/d)
Location: Warszawa, Job ID: 106631
About the position:
As Credit and Collections Expert you will be reporting to Team Lead in the GBS O2C team based in Poland. As a candidate you should have excellent language skills and an international mindset.
You will be responsible for:
- Customer Risk Assessment and Credit analysis
- Continuous Improvement & Project Coordination (incl. Standardization & Harmonization)
- JSOX Controls and Compliance
- Maintain a High Level of Service with all Business Partners
Main areas of responsibility:
- Strong understanding of the end-to-end O2C process, including cash collection, cash application, sales order release, credit and risk management, trade finance collaterals, bad debt management, and reporting
- Conducting customer risk assessments and credit analysis, including coordination of credit limit requests and providing recommendations to minimize commercial risk
- Monitoring overdue accounts and coordinating follow-up actions with local markets to address areas of concern
- Managing the release of blocked sales orders in line with local and global Credit Policy
- Coordinating claims management with Sales and Customer Service to ensure timely and accurate resolution of discrepancies
- Leading and coordinating month-end activities in line with the agreed schedule, including aged receivables review, balance sheet reconciliation, cash forecasting, periodic reporting, bad debt provisioning, DSO tracking, key account reconciliations, and factoring
- Preparing month-end closing materials, including variance analysis and clear explanations of key movements
- Acting as a Project Coordinator within the Credit & Collections function, driving system implementations, process improvements, and transformation initiatives in collaboration with cross-functional teams
- Monitoring project progress, managing timelines, and ensuring successful delivery of key objectives
- Ensuring compliance with all company policies, procedures, and internal controls
- Supporting management with ad hoc queries, analyses, and information requests
Requirements:
- Minimum 3+ years of experience in Credit & Collections or a similar role
- Experience in a multi-country environment, preferably within Shared Services or BPO
- Proven experience in cash collection, credit risk management, and credit analysis
- Bachelor’s or Master’s degree in Finance, Accounting, or a related field
- Certification in International Credit Management or Trade Finance instruments is a strong advantage
- Experience in team management, supervision, or mentoring of junior team members is a plus
- Excellent English (written and spoken); additional languages are an asset
- Very good understanding of IT systems and tools (Excel, Outlook, PowerPoint, Word)
- Strong SAP knowledge is a must
- Good knowledge of trade finance instruments and collaterals (e.g. letters of credit, bank guarantees, promissory notes)
- Strong analytical skills with the ability to identify and solve problems quickly and effectively
- High level of accuracy and attention to detail
- Strong communication skills, with the ability to collaborate across teams and stakeholders
- Self-driven, well-organized, and able to work independently in a fast-paced environment
- Ability to manage multiple priorities and deliver under pressure
- Persistent, proactive mindset with a “can-do” attitude
- Team player with a collaborative approach
Our offer includes:
- Competitive pay and attractive annual bonus
- On-going development opportunities in a multinational environment, a wide variety of projects, ambitious goals, and independence in achieving them.
- Freedom with responsibility (we trust your competencies, ability to manage your time and your scope of work)
- Lot of flexibility in terms of work arrangements (work from the office or from home)
- Private medical care (various options to choose) and life insurance
- Employee pension and savings programs
- JTI Family Leave Benefit – including extended paid paternity leave and fully paid maternity leave
- Multisport card, foreign language classes
- Wide variety of training, webinars, and professional courses on our e-learning platforms, including sponsored certification programs (for employees fulfilling the admission criteria)
- Modern office with traditions (Art Norblin Factory) in a convenient location, equipped with a library, mindfulness zone, spacious kitchen, garden terrace, massage chairs and underground bicycle parking
- Working in a diverse and inclusive organization of 43 different nationalities
Benefits:
- Family Leave
- Investment
- Life Insurance
- Medical Care
- Multisport Card
- Pension Plan
If this role is what youre looking for, apply now by sending CV in English.