Credit Optimization Professional - FMCG

We, on behalf of our client, are looking for a Credit Optimization Professional who combines strong credit expertise with hands-on Machine Learning, Data Science and advanced statistical modelling. The role will use customer, transactional, financial and behavioral data to develop predictive and optimization models that improve credit decisions across a complex FMCG environment. The focus is not simply on assessing credit risk, but on determining the optimal credit decision — balancing customer value, commercial opportunity, exposure, payment behavior and risk.

Prediction → Decision → Optimization

Key Responsibilities

- Develop and continuously improve credit scoring, behavioural and predictive models.
- Build models to support credit-limit and exposure optimisation.
- Analyse customer payment behaviour and develop early-warning indicators.
- Apply Machine Learning and advanced analytics to collections and recovery optimisation.
- Segment customers according to credit behaviour, risk and commercial value.
- Translate predictive models into practical credit recommendations and decision rules.
- Monitor, validate and continuously improve model performance.
- Work closely with Credit, Finance, Commercial and Data/Technology teams to embed analytical solutions into business processes.
- Identify opportunities where better credit intelligence can support commercial growth while protecting cash and reducing risk.

The Impact

The successful candidate will help move credit decision-making from static rules and historical analysis towards predictive, dynamic and data-driven optimization.

Success will be reflected in measurable improvements in:

- Credit decision quality
- Credit-limit and exposure efficiency
- Bad debt and overdue exposure
- Collections effectiveness
- DSO and cash conversion
- Risk-adjusted customer profitability
- Commercial value generated through better credit decisions

Requirements

What We Are Looking For

A hands-on specialist with experience in Credit Analytics / Credit Optimization and strong practical capability in Machine Learning and Data Science.

Ideally, the candidate will have experience in FMCG, retail, consumer finance, fintech, trade credit or another high-volume customer-credit environment.

We are particularly interested in people who have personally built and validated models, rather than only managed analytical teams.

Strong experience with Python and/or R, SQL, predictive modelling, statistical modelling and optimization techniques is expected.

Above all, the successful candidate will be able to connect:

Credit Expertise + Data Science + Machine Learning + Commercial Judgement

and turn these into better credit decisions and measurable business value.

Core Competences

- Analytical Thinking – able to break down complex credit and customer data into meaningful insights and decisions.
- Commercial Judgement – understands the balance between credit risk, customer value, sales opportunity and cash.
- Problem Solving – translates business problems into analytical and modelling solutions.
- Stakeholder Influence – able to translate complex analytical findings into clear recommendations for Credit, Finance and Commercial stakeholders.
- Ownership & Accountability – takes responsibility for the quality, accuracy and business impact of analytical outputs.

Benefits

- €3,500+ gross monthly, depending on candidate experience
- Bonus scheme
- Private Insurance

This position mainly applies to freelancing professionals.