MISSION：
- Analyze the payment’s ability of buyers, in the frame of each sector and country.
- Set a maximum envelope on a buyer or a group, issue limits to be monitored upon updated information.
- Participate in profitable developments of commercial business by analyzing new clients’ portfolios and by improving the acceptance rate of existing contracts.
- The incumbent will operate within the delegation profile as stated in the general rules for the Group Underwriting activity.

MAIN RESPONSIBILITIES：
Credit risk analysis
- Analyze information on debtors as provided by internal systems (Atlas, Atlas Info) in order to set credit limits.
- Complete a Maximum Standard Exposure (MSE) report to propose a maximum ceiling to be set on a buyer or a group.
- Maintain quality, productivity and process time standards set by Group risk underwriting department.
Monitoring
- Monitor closely policyholders' portfolio in order to mitigate loss.
- Review credit limits upon any additional information (negative report, extension of credit terms, deterioration of buyer’s environment: sectors or country, press clippings).
- Determine the Extension Due Date (EDD) in co-operation with the Claims department.
Customer relationship
- Inform and explain credit restrictions to policyholders when granting, reducing or cancelling limits,where required.
- Network with Enhanced Information, Debt Collection, CRM and Sales departments to ensure an optimal account management process flow within defined SLAs.
Commercial support
- Appraise restrictive decisions, low DRA, and any other relevant data prior to the renewal of contracts.
- Participate in meetings with prospects, policyholders, brokers and banks set up by the commercial team to ensure business acquisition, retention or renewal, as appropriate.
Compliance
- Ensure compliance with regulations and procedures as laid down by Coface and external regulators.

QUALIFICATIONS：
Education & Industry
- Good knowledge of credit insurance business, including Coface range of products
- Degree educated in Business Administration or any other discipline with financial, economical, insurance focus.
Functional
-Knowledge of corporate and contract law fundamentals
-Knowledge of credit risk management
-Awareness of macro-economic/ political climate
-Understanding of companies business (target clientele) and their funding needs
- Ability to gather and analyze information from various external/internal sources: financial statements, sector and country economical reports, other departments data,etc
-Excellent oral and written skills.
IT
- Computer literacy: Pack Office (Outlook, Word, excel, etc.) and internal systems (Atlas, Cube, SMART).

【工作内容】
- 对潜在保险客户的财务状况、健康状况、职业背景等进行全面的风险评估。
- 分析和评估客户的风险等级，出具授信评估建议，制定个性化的保险方案，。
- 与销售团队紧密合作，为客户提供专业的风险咨询和解决方案，提高客户满意度。
- 定期对市场趋势和竞争对手进行研究，以便及时调整公司风险管理策略。
【任职要求】
- 具有金融、保险或相关领域的学士学位。
- 熟悉保险产品和服务，具备良好的风险评估和分析能力。
- 拥有优秀的沟通能力和人际交往技巧，能够与客户建立良好的关系。
- 良好的团队协作精神，能适应快节奏的工作环境。
- 具备一定的数据分析能力，能够熟练使用Excel等办公软件。
- 对保险行业有深入了解者优先考虑。
- 具备相关资格证书（如CFA、FRM）者优先考虑。