Credit Management Expert

#Ownership

WHO WE ARE

Brewing the world's most loved beers and building brands consumers love, AB InBev is where ownership, ambition, and action thrive.

We empower you to dream big, lead change, and create a long-lasting legacy. We value relentless problem-solvers who take accountability, embrace challenges, and turn bold goals into results through resilience and hard work. That's Who We Are: Come and OWN IT

We are the world's biggest brewer Headquartered in Leuven, Belgium, we have opportunities across Europe in Belgium, the Netherlands, France, Luxembourg, Germany, Italy, the Czech Republic, the UK, Ireland, and Spain. Two key parts of our ecosystem are Budweiser Brewing Group (BBG) in the UK and Compañía Cervecera de Canarias (CCC) in the Canary Islands.

We are proud to have a team of 155,000 colleagues representing 135 nationalities and to operate 28 breweries across Europe.

Credit Management Expert is responsible for execution of credit management, collections and customer account maintenance activities. Ensures compliance of performed activities to internal and external audit requirements, legal rules.

Is also accountable for achievement of targets on overdue, commercial losses and bad debts for respective scopes, as well as the results of contractual service level agreements with clients, for internal and external clients' satisfaction, and represents the point for escalation. Responsible for Data & Analytics initiatives and standardization within the team.

Main characteristics (Challenges) 

• Work in a quick changing environment
• Ensure full flexibility within the team to meet existing and future business needs
• Constantly balancing the search for new improved ways of working, together with the sustained implementation of agreed ways of working
• Drive standardization and increased efficiency of processes and procedures within the scope
• Regularly assess and continuously improve current ways of working
• Be connected to functional areas and other departments
• Ensure the maintenance of Excel tools used by the team.

Key dimensions:

• Commercial losses
• Bad debts
• Overdue and Cash Flow

Key contacts (Internal – External)

• Sales Finance Managers
• PRG Management
• BU Controllers, Legal team, BU and Zone Cash Flow
• Sales teams
• Customers

Accountabilities

Collection activities management

• Monitor the level of overdue and commercial losses for respective scope of accounts, support and enhance actions aimed at prevent and decrease of overdues
• Approve orders release in accordance with Credit Policy, support the discussion with Sales, Senior Finance and Commercial management regarding the approval decision
• Address complex and urgent operational issues with account/order blocking or disputes related which were escalated, drive issues resolution through negotiations with external customers and internal departments
• Check on quality of accounts reconciliation performed
• Ensuring end-to-end process of credit, collections and disputes is proceeded in an efficient way
• Be available to provide support to their eam colleagues if requested by management in order to ensure business continuity during heavy workload periods
• Execute the necessary Month-End-Closure (MEC), QTR Control and subsidiary activities designated by the TL

Process standardization, transformation and continuous improvement

• Support the implementation of transformation initiatives for respected scope in the scope of PRG centre
• Drive the standardization across various processes, customer groups and market segments to comply to the most efficient standard way of working
• Support the continuous improvement process to identify potential efficiencies and implement lean ways of working in the team
• Escalate IT/ERP related issues to the relevant supplier, follow up on them, work on Change Request's (CRQ)
• Train the new and Junior team members – give continuous support
• Perform other duties as requested by Credit management & Collections Supervisor (showing skills / good performance about coordination projects, individual decision making relating to the projects)
• Successfully handle most non-routine, audit issues, escalates to management issues that cannot be resolved
• Ensure all work is performed in accordance with targets and business needs
• Accurate, efficient, and organized within daily responsibilities

Management

• Serve as a back-up on the process level of the Team Lead Belgium & Netherlands DD+NAM
• Taking part in setting a back-up system within the team (give/receive training)
• Maintenance of Training Tracking Tool and elaboration of action plans to minimize knowledge gaps
• SLA / KPI's achievement and yearly update, quality monitoring of team performance and take the actions to close the gaps
• Ensure maintenance / update of the process training documentation (L5)
• Communication flow to and from team (positive interaction with external parties, BU & PRG employees)
• Best practice sharing within the overall business
• Create and maintain a positive work environment
• Demonstrate commitment towards continuous improvement and willingness to challenge existing practices to drive standardization and efficiency
• Identify implementation of process and system enhancements to continuously improve operations
• Ensure routine management in place in line with EP (L5 documentation, 5s, visual )

Qualifications and Technical competencies required

Education & Experience:

• University Degree – Degree in Business Studies or Finance or relevant experience
• Minimum 2 years of business and finance experience
• Understanding of Credit management, Risk Analysis, Control and Customer relationships management
• Experience in stakeholder management with commercial function and customers
• Fluent in English speaking

Technical competencies

• Excellent Excel, Word and PowerPoint skills required
• Experience in coding with VBA/Python is required.
• Relevant SAP application knowledge preferred
• Power BI skills considered as a big advantage

Behavioral competencies

• Ability to track and organize information data and communications efficiently to ensure issues are dealt with promptness and properly
• Understanding of both finance and commercial processes
• Ability to standardize processes across multiple countries and to coach other teams on finance control processes
• Ability to work on own initiative and prioritize workload effectively,
• Excellent communication skills both oral and written; have the ability to simplify complex issues
• Strong analytical and good negotiation skills, excellent interpersonal skills
• Ability to analyze customer needs through soliciting, evaluating and acting upon customer feedback
• Leads by example and lives the company's values

Benefits

• Benefits for you and your family to help your physical and mental health 
• Competitive parental leave and pension contributions (2,5%)
• 25 days of holidays per year
• Employee benefits to help your physical and mental health and overall well-being (Accident, Health and Luggage insurance
• A beer allowance to enjoy our brands
• Meal vouchers
• Employee networks to support diversity and inclusion
• Local Bonus
• 26 weeks paid leave for primary caregivers -
• 'Return to Work' program 

WHAT IT MEANS TO BE ONE OF US

OWN IT

Ownership is at the foundation of everything we do.

We look for owners who are empowered to lead positive change and take accountability for their results. When we come together, we don't let our titles define us; we push each other to find the best solutions for our business strategy.

DREAM BIG

We dream big because we believe that through collective focus, discipline, and the strength of our teams, we can achieve anything. We empower our owners to push the boundaries of what's possible to deliver on our strategy and purpose.

We look for people with passion, curiosity, and ambition to make a difference and grow with our business.

MAKE IT HAPPEN

We know that our actions matter more than words. We walk the talk, for there is no such thing as "this is not my problem."

We value resilience and commitment to excellence when facing challenges. We look for people who know how to transform big dreams into measurable results and shared success through hard work, consistency, and long-term thinking.