Underwriting Manager

Arvato Financial Solutions is a global service provider and part of Bertelsmann SE & Co. KGaA as a subsidiary of Arvato. The company has around 7,500 employees in 17 countries, including a strong presence in Europe, America and Asia, and offers flexible full-service solutions for the efficient management of customer relationships and cash flows. Arvato Financial Solutions offer professional outsourcing services centering on cash flow in all phases of the customer lifecycle - from risk management and invoicing to debtor management, the sale of receivables and debt collection.
Description of position
You will be responsible for driving and supporting on new business opportunities within the area of “O2C” (order-to-cash), including invoice purchase and invoice lending. You will be involved in the full value chain to create and close new business opportunities;
Constructing business cases by considering the client’s needs and Arvato’s product offerings and solutions
Perform/review business case profitability calculations
Identify and mitigate credit risk exposures
Co-ordinate and contribute to achieve complete and correct credit applications
Take credit decisions within given mandate
Secure that the client contract includes key elements from the internal credit decision
Participate in “client facing” meetings and negotiations when needed

You will work closely with both your team members within O2C Underwriting team as well as other functions, including especially Sales but also Operations, Legal, Product and Compliance when constructing new business cases. To succeed in this role, you need to be able drive and support on commercial processes as well as take (credit) decisions. You get energy from making deals that support both our clients and Arvato’s growth ambitions and contributes to our financial targets. You are able to co-operate with Sales to reach our growth targets and at the same time stand independent when advising on pricing and risk mitigates.
You will report to the Head of Underwriting O2C and work in close co-operation with your functional peers in the other countries. “Focus countries” will be Sweden and Finland.
Qualifications
academic education in related area, such as Finance/Economics
at least 3 years of relevant professional experience in banking, collection, or payment industry
experience from leading and/or participating in commercial processes
theoretical and practical understanding of Credit analysis and credit decision making
excellent verbal and written skills in English, preferable also Swedish or Finnish
knowledgeable about the regulatory requirements for our business

As a person we see that you
have high integrity and ethical standards,
have high motivation as well as collaborative attitude and team player,
are proactive, structured, and delivery-focused,
have an analytical mindset with business acumen
have excellent presentation and influencing abilities.



What we offer you
We offer you a role with varied tasks in a fast-moving, professional, and friendly working environment. You are close to the departments you support and collaborate with, and have a large internal network of expertise available, as well as peers in our other European markets. Arvato is in an exciting growth phase and we are constantly developing our products to meet the market's need for safe and functional technical solutions. The pace of work is periodically high, but we are keen to have fun at work and promote good staff health. Wellness grants, social activities at and outside the workplace and dedicated employees guarantee a fun and developing work environment.