Credit Risk Analyst

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.

Job Description:

Collaborate with Innovative 3Mers Around the World

Choosing where to start and grow your career has a major impact on your professional and personal life, so it’s equally important you know that the company that you choose to work at, and its leaders, will support and guide you. With a diversity of people, global locations, technologies and products, 3M is a place where you can collaborate with 96,000 others curious, creative 3Mers.

For more than 30 years at 3M, I’ve seen firsthand how it’s a place where curious, creative and collaborative people thrive and build a rewarding career. As a leader in this company, my goal is to ensure each 3Mer sees and feels the positive impact we’re making around the world” – Mike Roman, chief executive officer and chairman of the board at 3M

This position provides an opportunity to transition from other private, public, government or military environments to a 3M career.

The Impact You’ll Make in this Role
As a Credit Risk COE Analyst, you will have the opportunity to tap into your curiosity and collaborate with some of the most innovative and diverse people around the world. Here, you will make an impact by:

• Support lead manager on credit analysis and risk rating of the portfolio, based on statistical models, and lead segmentation variables

• 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

• Participate on cross functional teams to identify opportunities and support initiatives for process improvements, centralization, and standardization

• 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

• Educate and advise business divisions on portfolio, customer credit risk and payment terms

• 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.

• Provide financial counsel and analysis on DSO initiatives to the business group leaders and team, influencing business thinking.

• Leading small projects related to credit risk management or working capital optimization.

Your Skills and Expertise 
To set you up for success in this role from day one, 3M requires (at a minimum) the following qualifications:

• Bachelor’s degree or higher (completed and verified prior to start) in business, finance, accounting, economics, mathematics, and/or statistics from an accredited institution

• Two (2) years of data analytics, data management and/or risk analysis experience in a private, public, government or military environment

• Proficient in Japanese speaking/Writing

Additional qualifications that could help you succeed even further in this role include:

• Experience in problem-solving, financial modeling, data analytics and data management

• Knowledge of financial statement analysis, bankruptcy laws, basic accounting techniques, and financial principles used in analyzing and interpreting the working capital impact of decisions regarding credit risk

• Skills include analytical reasoning, persuasive and assertive, adaptable, optimistic, innovative, collaborative, excellent written and verbal communication

• Experience in Credit and Collections is a plus

Travel: May include up to 10% domestic/international

Relocation Assistance: Is not authorized

Work location:

This role has on-site working model, with the employee working at least 4 days per week in the 3M locations, and This position is expected to work from one of the location listed below

• Tokyo, Japan

• KL, Malaysia

• Bangalore, India

Learn more about 3M’s creative solutions to the world’s problems at www.3M.com or on Instagram, Facebook, and LinkedIn @3M.

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.

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.

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