Business Analyst

• Process Ownership & Operational Continuity Assume day-to-day ownership of the end-to-end Credit process globally, including onboarding, credit application review & credit limit management.
• Maintain and operate existing credit processes to ensure they remain effective, efficient, controlled, compliant and aligned with global best practices
• Oversee the credit lifecycle including new credit applications through the Credit@ queue, account credit requests for credit line increases, and account maintenance through Case Management and dispute objects
• Ensure credit processes continue to support Company's revenue growth while maintaining appropriate risk controls across all global regions (AMER, EMEA, APAC)

• AI Workforce Solutions & Automation (Support & Execution):

• Support and progress in-flight AI workforce solution initiatives within Credit & Collections, working within the established roadmap and priorities
• Collaborate with Engineering, Product and the Revenue AI team to support the deployment of AI-native solutions in credit operations
• Maintain and refine existing AI agent skills and domain procedures, ensuring they remain accurate and effective — following the skills-based architecture where domain experts author governed procedures that AI agents execute with built-in controls
• Monitor AI agent performance and escalate issues, ensuring that compliance controls (SOX dual-review, AML screening, contact validation) remain embedded in all automated workflows Identify and flag opportunities for further AI automation to the returning GPO and leadership for future prioritization
   

• Risk Management & Financial Controls:

• Ensure Company's credit exposure is appropriate and risk is minimized across the global advertiser portfolio Operate within established credit risk frameworks, including credit scoring models, credit limit methodologies and portfolio risk monitoring
• Partner with the Global Risk Team to ensure ongoing alignment with enterprise risk appetite Maintain robust internal controls and ensure adherence to audit requirements, SOX compliance and regulatory standards

• Stakeholder Management & BPO Partner Oversight:

• Serve as the primary point of contact for Credit process queries during the cover period Collaborate with Revenue Operations, Sales, Finance Business Partners, Legal and Compliance teams to ensure credit processes support business objectives Manage day-to-day relationships with BPO partners (Client and others) executing credit and collections activities in Costa Rica, Kuala Lumpur and other global locations Provide oversight on Process Excellence reporting and investigate performance changes.

• 6+ years of experience in financial credit, credit risk management, collections or revenue operations Solid understanding of end-to-end credit management processes including credit assessment, credit limit setting, portfolio management, collections and dispute resolution Familiarity with AI, automation or intelligent workflow solutions in a finance or operations context — the ability to work alongside AI-driven processes and support their ongoing operation
• Strong knowledge of financial controls, SOX compliance, audit requirements and risk management frameworks
• Proven ability to work cross-functionally with Engineering, Product, Operations and Finance teams
• Experience managing or partnering with BPO / outsourced operations
• Strong analytical skills with the ability to use data to drive decisions and measure process performance
• Excellent communication and stakeholder management skills, with the ability to step into an established role and build relationships quickly
• Bachelor's degree in Finance, Accounting, Business, Economics or a related field

• Experience in advertising, technology or high-growth environments with complex, high-volume credit operations
• Exposure to AI agent or agentic workflow solutions in financial operations — particularly in credit decisioning, risk scoring or collections
• Experience with credit scoring models, financial risk analytics or predictive modelling Knowledge of global billing, invoicing and accounts receivable processes across multiple regions and currencies
• Experience with process mining, RPA (Robotic Process Automation) or intelligent automation platforms Professional certifications in credit management (e.g., CICM, FCI) or risk management (e.g., FRM, PRM)
• Prior experience in interim, cover or contingent worker roles — demonstrating the ability to onboard quickly and deliver from day one
• Experience working in a Shared Services / Global Business Services operating model

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