Elisabete Santos Email & Phone Number

Sintra, Lisboa, Portugal

Responsible for 6 countries in the South of Europe, 345 customers spread accross 4 different SAP applications, including S4/HANA.The purpose of my role is to control the Credit Risk of my portfolio and keep the overdue amounts to a minimum. Main reponsibilities: Adherence to Group Credit Management Policy; Ensure Overdue Amounts are kept to a minimum, (direct contact with customers, Commercial Teams and CS&L); Ensure Credit Limits are maintained and not exceeded; Ensure Cash Collection targets are achieved; Credit Risk Assessment and Monitoring where an Internal Credit Limit is required; Dispute Management: ensure non-payment issues are resolved quickly and efficiently; Responsible for orders release; Attend Credit Management Meetings; Assist with all internal and external audit requests

Sintra, Lisboa, Portugal

Responsible for SYNTHOMER PORTUGAL porfolio (previous OMNOVA SOLUTIONS PORTUGAL). Around 256 customers.Main task: control the credit risk and keep the overdue amounts at a minimum. Responsibilities: Manage the credit insurance; Perform the credit risk assessment for new and existing customers via financial statements and payment behavior analysis;Decide on and negotiate the appropriate payment terms and credit limit in respect of the internal Synthomer's policy;Handle letters of credits and documentary collections if any;Perform the collection actions on a daily basis;Follow up on the cash application with the Cash manager and Finance Manager;Solve all issues and claims related to the outstanding invoices;Managing orders on hold;Follow up on the bad debts;Perform different SOX controls with Customer service and Financial department;Continually assess processes effectiveness and efficiency and suggest opportunities for the improvement;Build and provide different credit reports on a monthly and ad hoc basis for customers and suppliers accounts;Participate / lead different projects related to the AR/ SAP integration and Cash management

Lisboa, Portugal

On job training in Paris (2 months)Performing controls on the credit process (Corporate Banking)To provide results to the RISK Management

Lisbon

To ensure the compliance of the Risk PolicyInsurance credit management (from credit request until indemnity payment)Companies Risk Analysis (financial statements / Informa D&B)To ensure timely payments and reduction of past dueAnalyse customer accounts in order to meet accounts receivable, DSO and collection goalsAccounting tasks: postings, and bank reconciliations)Monitoring and Reporting to CFO

Lisbon

Credit assessment (individuals and companies)Protocol negotiation (Banks / Financial Institutions)Self-employment support (financing)Training and administrative support for new franchisees

Oeiras

Personal loans analysisPhone verification / Fraud preventionLiabilities consultation on Bank of Portugal / Credinformações data base

Lisbon

Banking operations Customer supportClaims managementCrosselling

Lisbon

Banking operations (checks, cards, loans)Customer supportFile

Graduation, International Relations And National Security Studies

Accounting Technician, Accounting

Professional qualification (1310 hours), internship included (210 hours)