Credit Portfolio Risk Analyst (m/f/x)

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    "location": "GB, Bracknell Berks",
    "postedOn": "Posted 8 Days Ago",
    "timeType": "Full time",
    "startDate": "2026-05-29",
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    "jobPostingId": "Credit-Portfolio-Risk-Analyst--m-f-x-_R01165121-1",
    "jobDescription": "3M has a long-standing reputation as a company committed to innovation. We provide the freedom to explore and encourage curiosity and creativity. We gain new insight from diverse thinking, and take risks on new ideas.  Here, you can apply your talent in bold ways that matter.<p style=\"text-align:inherit\"></p><p style=\"text-align:inherit\"></p><p style=\"text-align:left\"><b>Job Description:</b></p><p style=\"text-align:inherit\"></p><p><b>Credit Portfolio Risk Analyst </b></p><p></p><p><b>The Impact You’ll Make in this Role</b></p><p></p><p>As a <b>Credit Portfolio Risk Analyst located </b>at our<b> Bracknell HQ </b>, you will have the opportunity to tap into your curiosity and collaborate with some of the most innovative and diverse people around the world.</p><p></p><p>Here, you will make an impact by:</p><ul><li><p>Support lead manager on customer credit analysis and risk rating of the portfolio</p></li><li><p>Monitors and proactively manages risk/exposures and compliance with policies for credit risk portfolio. Support global team with credit data analysis to formulate practical portfolio problem solving models</p></li><li><p>Monitor performance of AR credit quality and analyze AR performance, aging, trends, risk exposure and advise business leadership teams in actions to be taken. Supporting management reporting for KPIs</p></li><li><p>Work in collaboration with the CIR organization to implement frameworks and global governance policies.  Review and approve requests related to credit limits or payment terms. Participate on cross functional teams to identify opportunities and support initiatives for process improvements, centralization, and standardization</p></li><li><p>Provide financial counsel and analysis on DSO initiatives to the business group leaders and team, influencing business thinking.</p></li><li><p>Leading SAP readiness and deployment activities related to the Credit Risk</p></li></ul><p></p><p><b>Your Skills and Expertise  </b></p><p>To set you up for success in this role from day one, 3M is looking for candidates who must have the following qualifications:</p><ul><li><p>Bachelor’s degree or higher in Business, Finance, Accounting, Economics, Mathematics, Statistics, or a related field from an accredited institution</p></li><li><p>Credit-related professional certification preferred</p></li><li><p>Significant experience in credit risk management</p></li><li><p>Prior experience in data analytics, data management, and/or risk and accounts receivable analysis</p></li></ul><p></p><p>Additional qualifications that could help you succeed even further in this role include</p><ul><li><p>Strong knowledge of financial statement analysis, basic accounting practices, and financial principles, with the ability to assess and interpret the working capital impact of credit risk decisions</p></li><li><p>Demonstrated analytical reasoning skills, with the ability to communicate persuasively and assertively while remaining adaptable, collaborative, and solution-oriented</p></li><li><p>Strong written and verbal communication skills</p></li><li><p>Experience in Credit and Collections preferred</p></li><li><p>Proficiency in SAP preferred</p></li></ul><p></p><p><b>Job specifics:</b></p><ul><li><p>Location Information - Bracknell, UK</p></li><li><p>Travel expectations - May include up to 5% domestic/international</p></li><li><p>This role has on-site working model, with the employee working at least four days a week in the office at Bracknell, Berkshire, UK</p></li><li><p>Working Pattern - Full-time</p></li></ul><p></p><p><b>Does this opportunity and our innovative 3M culture align with your career aspirations?</b> </p><p><b>If so, we encourage you to apply and embark on a journey of creativity and growth with us.</b></p><p><b>We look forward to hearing from you!</b></p><p></p><p><b>Resources for You</b></p><p>For more details on what happens before, during and after the interview process, check out the Insights for Candidates page at <a href=\"https://www.3m.com/3M/en_US/careers-us/stay-connected/insights-for-candidates/\" target=\"_blank\">3M.com/careers.</a> If you have further questions please reach out to Max (our AI Virtual Assistant) via our Career Page.</p><p style=\"text-align:inherit\"></p><p style=\"text-align:inherit\"></p><p style=\"text-align:inherit\"></p><p style=\"text-align:inherit\"></p><p style=\"text-align:inherit\"></p><p style=\"text-align:inherit\"></p><p style=\"text-align:inherit\"></p><p style=\"text-align:inherit\"></p><p style=\"text-align:inherit\"></p>Learn more about 3M’s creative solutions to the world’s problems at www.3M.com or on Instagram, Facebook, and LinkedIn @3M.<p style=\"text-align:inherit\"></p><p style=\"text-align:inherit\"></p><p style=\"text-align:inherit\"></p><p style=\"text-align:inherit\"></p>Safety is a core value at 3M. All employees are expected to contribute to a strong Environmental Health and Safety (EHS) culture by following safety policies, identifying hazards, and engaging in continuous improvement.<p></p><p></p><p style=\"text-align:inherit\"></p><p style=\"text-align:inherit\"></p><p style=\"text-align:inherit\"></p>At 3M, we believe diversity &amp; inclusion are essential to innovation. We seek and value differences in people! This Job ad is addressed to all potential candidates. As an equal opportunity employer 3M will not discriminate against any applicant for employment on the basis of race/ethnicity, nationality, religion, sex, gender identity, sexual orientation, pregnancy/maternity-related matters, age or disability, or any other relevant characteristic protected under applicable local law.<p style=\"text-align:inherit\"></p><p style=\"text-align:inherit\"></p><p style=\"text-align:left\"><b>Please note: your application may not be considered if you do not provide your education and work history, either by: 1) uploading a resume, or 2) entering the information into the application fields directly.</b></p><p style=\"text-align:inherit\"></p><p style=\"text-align:inherit\"></p><p><b><u>3M Global Terms of Use and Privacy Statement</u></b></p><p><br />Carefully read these Terms of Use before using this website. Your access to and use of this website and application for a job at 3M are conditioned on your acceptance and compliance with these terms.</p><p></p><p>Please click on the following links and select the country where you are applying for employment to review the applicable <a target=\"_blank\" href=\"https://multimedia.3m.com/mws/media/2653553O/3m-website-terms-of-use-global.pdf\"><span style=\"color:#0875e1\"><u>Terms of Use (link here)</u></span></a> and <a target=\"_blank\" href=\"https://multimedia.3m.com/mws/media/1259100O/3m-jobs-country-data-privacy-statements-internal.pdf\"><span style=\"color:#0875e1\"><u>Privacy Policy (link here)</u></span></a>. Before submitting your application, you will be asked to confirm your agreement with the terms.</p>",
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