Credit Risk Manager

About the Position

Location: Cyprus, Limassol

Be part of something greener, conscious, and reasonable - join Breezy!

At Breezy, we’re changing the future of tech. As the #1 Trade-In and refurbishment company in Central, Southeastern Europe, and the Caucasus, we are given devices a second life and help build a more sustainable world through circular economy solutions.

We empower customers to exchange old gadgets, refurbish them, and bring them back to life-through our omnichannel experience.

Ready to make a difference? Let’s build the future together.

Responsibilities

• Credit Risk Management
  • Develop, implement, and maintain the company’s credit risk policy and procedures.
  • Assess and approve customer credit limits, payment terms, and risk ratings.
  • Conduct financial analysis of new and existing customers.
  • Review customer financial statements, credit reports, and market information.
  • Monitor credit exposure and recommend risk mitigation actions.
• Accounts Receivable & Credit Control
  • Oversee customer receivable portfolios and collection performance.
  • Monitor overdue balances, aging reports, DSO, and bad debt trends.
  • Ensure timely collection of outstanding receivables.
  • Support escalations and resolution of complex collection cases.
  • Recommend provisioning for doubtful debts where appropriate.
• Customer Onboarding & Compliance
  • Manage customer onboarding from a credit risk perspective.
  • Ensure completion of KYC, AML, and customer due diligence requirements.
  • Verify customer legal, financial, and operational information.
  • Maintain accurate customer risk records and documentation.
• Reporting & Analysis
  • Prepare regular credit risk and receivables reports for management.
  • Track KPIs including:
    • DSO (Days Sales Outstanding)
    • Overdue Debt Ratio
    • Collection Effectiveness
    • Bad Debt Rate
    • Credit Limit Utilization
  • Identify risk trends and recommend corrective actions.
• Stakeholder Management
  • Partner with Sales, Finance, Legal, and Operations teams.
  • Support commercial growth while maintaining acceptable risk levels.
  • Provide credit risk recommendations for strategic customers and projects.
  • Present risk exposure and recommendations to senior management.

Requirements

• 3+ years of experience in Credit Risk, Credit Control, Risk Management, Accounts Receivable, or Corporate Finance.
• Experience developing and implementing credit policies.
• Strong understanding of financial statement analysis.
• Experience working with ERP systems and reporting tools.
• Financial analysis and credit assessment.
• Strong understanding of working capital management.
• Knowledge of KYC and AML requirements.
• Excellent analytical and problem-solving skills.
• Strong communication and negotiation abilities.
• Advanced Excel and reporting skills.
• Ability to work independently and make risk-based decisions.
• Languages
  • English – B2
  • Russian – C1

Nice to Have

• Distribution, wholesale, retail, e-commerce, telecom, financial services, or re-commerce industries.
• Experience managing multi-country customer portfolios.
• Experience building credit risk processes in a fast-growing organization.

We Offer

• Competitive salary package and performance-based motivation system
• Opportunity to work in a financially strong, fast-growing multinational company
• Constant interaction with global teams of professionals
• Access to continuous professional development: training, certification programs, events, and team buildings
• Interesting tasks & freedom to implement your own ideas
• Real impact on company processes and growth
• Professional growth opportunities
• Get exclusive employee discounts on premium tech products

About the Company

Breezy is a meeting place for professionals who want to achieve great things. Do you want to solve ambitious tasks, experiment, and develop a Trade-In service that has a global impact and helps to save our planet? Then we look forward to receiving your resume. Join us!