Credit Risk Manager

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.

What you’ll be doing:

• 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.

We’re a great match if you have:

• 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.
• English — B2, Russian — C1.
• Preferred Experience
• 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.

What you’ll love about working at Breezy:

• 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

Join us:

• 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!