Credit Risk & Treasury Manager

About the role

Red Bull is looking for a Credit Risk & Treasury Manager in Panama City to own the company's treasury, credit risk and collections activities across Shared Services, the DP countries and subsidiaries. The role ensures accurate and timely payments, a reliable cash-flow forecast, robust credit controls and compliance with corporate policies and the legal, regulatory and banking requirements of Panama and other jurisdictions. It is a hands-on role combining execution with process ownership, linking HQ to the countries and safeguarding liquidity and financial risk.

Key responsibilities

• Cash, bank and liquidity management: prepare and meet the cash-flow forecast, monitor collections and payments daily, optimise DSO and DPO, and ensure domestic and cross-border payments are accurate and on time.
• Banking relationships: manage bank guarantees, account opening and maintenance, signatory and KYC requirements, and bank fee review.
• Credit and collections: assess creditworthiness, recommend credit limits and terms, manage accounts receivable, perform ageing analysis, assess doubtful-debt provisions, reconcile bank statements and general ledger balances, and resolve payment discrepancies with Commercial, Operations and Accounting.
• Align HQ guidelines with local practice and follow up until they are applied consistently.
• Compliance and statutory risk: ensure compliance in Panama and other jurisdictions (including Germany), meet reporting deadlines, and support audit outcomes by reviewing aged payables and receivables.
• Accounting process: support monthly reconciliations and reviews of accounts payable and receivable ledgers.
• Process efficiency: simplify workflows, strengthen procedures and documentation, enable automation, and define and monitor SLAs with BPO partners.
• Insurance management for the Panama Shared Services office, including claims coordination and risk reporting to HQ Insurance.
• Stakeholder management and team development: coach and develop the Treasury Specialist, and influence country teams without hierarchical authority.

Required profile

• Degree in Accounting (preferred), Finance, Business Administration or a related field.
• 8+ years of professional experience, including at least 5 years in Treasury, Collections or Accounts Receivable.
• Experience in a multinational company and in a shared services or multi-country environment (preferred).
• Hands-on experience managing banking relationships, including bank guarantees.
• English at upper-intermediate to advanced level.

Required skills

• Hands-on experience with SAP, especially FI and SD modules.
• Advanced Excel skills.
• Experience with electronic banking platforms.
• Power BI or similar reporting tools (a plus).