Senior Credit Analyst

About the role

Lonza, a global supplier of pharmaceutical ingredients and technologies, is hiring a Senior Credit Analyst in San José, Costa Rica. The role manages and optimizes the organization's credit and collections processes, ensures effective risk management while supporting business growth, and combines strong analytical skills with stakeholder management to influence decisions and secure timely cash collection.

Key responsibilities

• Assess customer credit applications, financial statements, payment history and other data to determine credit risk and set credit limits.
• Evaluate the creditworthiness of venture capital-backed and emerging growth companies, including funding rounds, cash runway, investor backing, burn rates and liquidity.
• Monitor customer accounts and credit exposure, recommend actions to minimize bad debt.
• Analyze aged receivables and work with internal and external stakeholders to collect outstanding balances on time.
• Review and reconcile accounts, resolve disputes, deductions and payment discrepancies.
• Analyze credit and collections performance metrics to identify trends, risks and improvement opportunities.
• Partner with Sales, Customer Service, Finance and other functions to support commercial goals while keeping strong credit controls.

Required profile

• Bachelor's degree in Finance, Accounting, Business Administration, Economics or a related field.
• At least 5 years of experience in credit management, credit analysis, accounts receivable or a related finance role, preferably in a multinational setting.
• Experience assessing credit risk for venture-funded, pre-profitability or high-growth companies.
• Fluency in written and spoken English.
• Professional finance or credit qualifications such as CICM, ACCA, CIMA or CPA are desirable.

Required skills

• Strong understanding of credit risk assessment, collections management and financial statement analysis.
• ERP systems (SAP, Oracle or similar) and advanced Microsoft Excel.
• Analytical, problem-solving and stakeholder management skills.

What we offer

• A career path in a growing global finance organization, with the chance to lead and develop an accounting team.
• Exposure to global stakeholders across Finance, Treasury, Corporate Accounting and Internal Controls.
• Compensation programs for high performance and a benefits package aligned with local market practice.