Key Responsibilities:

Credit Analysis

• Lead complex andhigh‑riskcredit evaluations and risk assessments for new and existing customers using advanced financial statement analysis, credit bureaus, industry trends, and macroeconomic indicators. Own oversight of large,high‑exposureportfolios, including complex annual portfolio reviews and credit limit assessments.

• Recommend and approve elevated credit limits and risk categories, including exceptions, based on expert analysis, professional judgment, and alignment with risk appetite.

• Manage and resolve complex,time‑sensitivead hoc credit change requests for strategic andhigh‑valueaccounts, partnering closely with Collections and Commercial teams to ensureappropriate documentationand risk mitigation.

Risk Management

• Act as a subject matter expert in the development, interpretation, and application of credit policies and procedures.

• Assess emerging risks, portfolio trends, and concentration exposures, and recommend policy enhancements and risk mitigation strategies to protect profitability and cash flow.

• Support escalations and exception governance by providing expert risk assessments and recommendations.

Reporting

• Own and provide expert review and interpretation of monthly credit reports, including Credit Limit Edit Report and PaymentTermsand Baseline Date Edit Report.

• Deliver analytical insights and commentary to senior stakeholders to support informed credit and commercialdecision‑making

Knowledge Sharing & Capability Building

• ProvideSME‑levelguidance, technical review, and knowledge sharing to Credit Analysts, supporting consistent application of credit standards andhigh‑qualityanalysis.

• Contribute toprocess improvements, analytics enhancements, and automation initiatives to improve efficiency, controls, and risk visibility.

Project

• Lead or serve as the primary credit SME on credit risk projects, including policy enhancements, model updates, and system or process improvements.

• Ensure initiatives are delivered on time, within scope, and aligned with credit risk standards and businessobjectives

Qualifications:

Education:

• A minimum of a bachelor’s level degree or equivalent isrequired, preferably in accounting, finance, or related business discipline.

• CPA, CMA,MBAand/or other financial certificationsispreferred

Experience and Skills Required:

• 4-6years of relevant work experience

• Has an End-to-end Invoice to Cash process experience (Cash Applications, Credit Management, Collections/Dispute Management), with extensiveexpertiseinCredit Managementand preferably in the same Industry as J&J – Healthcare/Pharma – Preferred. 

• Strong customer engagement skills (includingabilityto manage difficult customers) for both internal and external stakeholders

• Capable of shaping and defining solutions and strategies for customer portfolios

• Advanced Negotiation and communication skills

• Able to support and prepare foundational analysis for evidence-based decision making.

• Present results and strategies to senior leadership.

• Change ManagementSkills preferred

Required Knowledge, Skills, and Abilities:

• Fluent in English for communication, for both oral and written

• Technologyproficiencyin Microsoft Office and ERP

• Strong collaboration,influencing,changeand communication skills withstrategicmindset.

Preferred Knowledge,Skillsand Abilities:

• Knowledge of SAP systems

• Foreign language capability is a plus

• Experience from BPO or shared services center of a multinational corporation and even local companies with relevant experience.

• Digital/ intelligent automation capabilities.

• Foreign language capability is a plus

Johnson & Johnson is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, age, national origin, disability, protected veteran status or other characteristics protected by federal, state or local law. We actively seek qualified candidates who are protected veterans and individuals with disabilities as defined under VEVRAA and Section 503 of the Rehabilitation Act.

Johnson & Johnson is committed to providing an interview process that is inclusive of our applicants’ needs. If you are an individual with a disability and would like to request an accommodation, external applicants please contact us via https://www.jnj.com/contact-us/careers, internal employees contact AskGS to be directed to your accommodation resource.

#LI-Hybrid

#DePuySynthesCareers