Senior Credit Risk Manager: Americas Strategic Accounts

1 week ago

San Jose, California, United States Western Digital Full time
Company Overview

At Western Digital, we strive to drive global innovation and redefine the limits of technology, transforming the seemingly impossible into reality.

As a company built on problem-solving, we empower individuals to achieve remarkable feats with the right technological support. Our innovations have played a pivotal role in significant historical milestones, including space exploration.

We collaborate with some of the world's largest and fastest-growing organizations, enhancing competitive gaming platforms, creating safer urban environments, and powering the data centers of major corporations and public cloud services. Western Digital is at the forefront of a smarter, more connected future.

Whether you're binge-watching your favorite series, engaging on social media, or shopping online, Western Digital is the backbone of the storage infrastructure that supports these experiences. Our flash memory solutions capture and safeguard your most cherished moments.

We provide a comprehensive range of technologies, storage devices, and platforms tailored for both businesses and consumers. Our data-centric offerings encompass the Western Digital, G-Technology™, SanDisk, and WD brands.

Today's unique challenges require your exceptional skills. Together, we can be the next significant advancement in data.

Position Overview
  • Conduct in-depth evaluations of the creditworthiness of both international and domestic clients through meticulous analysis of financial documents, credit histories, and other pertinent data.
  • Formulate and enforce credit policies and procedures to guarantee adherence to regulatory standards and corporate guidelines.
  • Assess credit risk exposure across various regions and sectors, pinpointing potential risks and opportunities for the organization.
  • Set credit limits and terms for international clients, negotiating conditions when necessary to foster mutually beneficial agreements.
  • Oversee and manage credit exposures, including the monitoring of credit limits, overdue accounts, and credit utilization metrics.
  • Work collaboratively with internal teams, including sales, finance, and risk management, to enhance credit decisions and support organizational goals.
  • Offer guidance and training to team members on best practices in credit risk assessment and management.
  • Stay informed about industry trends, regulatory updates, and market shifts related to international finance and credit risk management.
  • Prepare regular reports and presentations for senior leadership, emphasizing key credit metrics, trends, and suggestions for enhancement.
  • Cultivate strong relationships with internal and external business partners/customers, acting as a trusted advisor on credit-related issues and ensuring high levels of customer satisfaction.
Qualifications
  • Bachelor's degree in Finance, Accounting, Economics, or a related discipline; a Master's degree or professional certification (e.g., CFA, CPA) is preferred but not mandatory.
  • A minimum of [7] years of experience in international finance, credit risk management, or a related area.
  • Robust understanding of financial markets, credit analysis methodologies, and risk management principles.
  • Experience in dealing with international clients and managing cross-border transactions.
  • Exceptional analytical abilities with the capacity to interpret complex financial data and make informed decisions.
  • Proficiency in financial modeling and risk assessment tools/software.
  • Strong communication and interpersonal skills, capable of collaborating across teams and influencing stakeholders at all levels.
  • Detail-oriented and organized, adept at managing multiple priorities in a dynamic environment.
  • Fluency in multiple languages may be beneficial, depending on the geographic focus of the role.
  • Knowledge of Letters of Credit and credit insurance is essential.
Additional Information

Western Digital is dedicated to providing equal opportunities to all applicants and employees, ensuring a discrimination-free environment based on race, color, ancestry, religion, sex, gender identity, age, national origin, sexual orientation, medical condition, marital status, disability, and other legally protected characteristics. We also prohibit harassment based on any of these characteristics. Our non-discrimination policy applies to all employment aspects.

Western Digital values diversity and believes that the best outcomes arise from a blend of perspectives. We are committed to fostering an inclusive environment where every individual can thrive through belonging, respect, and contribution.

Western Digital is also committed to providing opportunities for applicants with disabilities, ensuring all candidates can navigate our careers website and hiring process successfully.

Compensation & Benefits Overview
  • An employee's pay position within the salary range may be influenced by various factors, including education, qualifications, certifications, experience, skills, job knowledge, performance, geographic location, and organizational needs.
  • The salary range reflects the potential compensation for this role at the time of posting and may be adjusted in the future.
  • Eligible employees may participate in Western Digital's Short-Term Incentive (STI) Plan, which provides awards based on company and individual performance. Depending on the role, participation in the annual Long-Term Incentive (LTI) program may also be available.
  • We offer a comprehensive benefits package, including paid vacation, sick leave, medical/dental/vision insurance, life and disability insurance, flexible spending accounts, employee assistance programs, tuition reimbursement, and a 401(k) plan.
  • Note: Compensation is considered earned, vested, and determinable only when paid, and may be modified at the company's discretion, consistent with the law.

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