*credit mgmt and digital transformation*tasks and responsibilities*credit management:- responsible for reviewing customer's financial indicators alignment to the credit risk threshold established in the credit policy.- provide strategic analysis and risk assessment for the correct business steering and decision making by credit analysts and sales management.- define credit risk mitigation strategies including collaterals.- lead strategic and operational cash discount programs for each region, season and crop.- lead the review and approval process for credit exposures and make informed recommendations regarding credit exposure.- monitor credit portfolio performance and lead mitigation strategies for risk accounts.customer financing:- design and manage tailored customer financing programs aligned with seasonal cash flows and commodity cycles.- negotiate credit terms & interest rates that fulfill the needs of the organization.norla digital transformation:- lead digital initiatives aimed at automating and enhancing credit assessment and risk management processes.- identify and implement advanced analytics tools and models to improve decision making.- promote a culture of innovation, change management and continuous improvement within the credit and collations team.*who you are*- university studies in administration, finance, accounting or related fields.- experience required: 8 - 10 years (desirable in agricultural sector) in credit analysis, customer financing, digital transformation and project management.- proven experience in structuring and managing financing products (desirable in the agricultural sector).- english: fluent.- experience required using sap, excel and power bi.- other required skills: financial analysis, customer focus, drives results, managing complexity, plans and aligns.at bayer we believe in diversity, equity and inclusion.we aim to create an environment in which everybody can feel authentic, respected and equally valued.every day we strive to reflect our values through our people unique capabilities, self-experiences, and aspirations.we, intentionally seek diversity, to enable our people bring their fullest potential out and encourage others to likewise do so.our company wins, when we leverage our capabilities to lead the cultural transformation in our business, positively impacting the society.*application period*:- 07/16/2025 - 07/30/2024*reference code*:- *division*:- crop science*location*:- mexico : ciudad de méxico : ciudad de méxico*functional area*:- finance & tax*work time*:- full time*employment type*:- regular*contact us*address*- ciudad de méxico, méxico