Senior Credit Analyst

Senior Credit Analyst

San José, Costa Rica

Every day, our teams across the world work together to turn scientific breakthroughs into life-changing medicines that reach up to 100 million patients a year. Lonza is a place where people can make a unique impact, grow their careers and belong.

Based in San José, Costa Rica, this leadership role offers the opportunity to drive high-quality financial accounting and reporting services across a global organization. As an R2R Manager, you will lead a talented team, strengthen financial controls, and help shape process improvements and transformation initiatives that support business success worldwide.

The Senior Credit Analyst is responsible for managing and optimizing the organization's credit and collections processes, ensuring effective risk management while supporting business growth. This role involves analyzing customer creditworthiness, monitoring accounts receivable performance, mitigating financial risk, and driving continuous process improvements. The successful candidate will combine strong analytical capabilities with excellent stakeholder management skills to influence decision-making and ensure timely cash collection. Experience evaluating venture capital-backed and high-growth organizations is highly desirable.

What you will get:

• An agile career and dynamic working culture in a growing global finance organization.
• The opportunity to lead and develop a high-performing accounting team.
• Exposure to global stakeholders across Finance, Treasury, Corporate Accounting, and Internal Controls.
• Opportunities to contribute to finance transformation, automation, and continuous improvement initiatives.
• Compensation programs that recognize high performance.
• A comprehensive benefits package aligned with local market practices.
• An inclusive and ethical workplace where your contributions make a difference.

What you will do:

• Assess and evaluate customer credit applications, financial statements, payment history, and other relevant data to determine credit risk and establish appropriate credit limits.
• Evaluate the creditworthiness of venture capital-backed and emerging growth companies, including analysis of funding rounds, cash runway, investor backing, burn rates, liquidity position, and overall financial health.
• Monitor customer accounts and credit exposure, identifying potential risks and recommending appropriate actions to minimize bad debt.
• Review and analyze aged receivables, working closely with internal and external stakeholders to ensure timely collection of outstanding balances.
• Conduct detailed account reviews and reconciliations, investigating and resolving disputes, deductions, and payment discrepancies.
• Analyze credit and collections performance metrics, identifying trends, risks, and opportunities for process improvement.
• Partner with Sales, Customer Service, Finance, and other business functions to support commercial objectives while maintaining robust credit controls.

What we are looking for:

• Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related discipline.
• Minimum 5 years of experience in Credit Management, Credit Analysis, Accounts Receivable, or a related finance role, preferably within a multinational environment.
• Strong understanding of credit risk assessment, collections management, and financial statement analysis.
• Experience assessing credit risk for venture-funded, pre-profitability, or high-growth companies, with an understanding of venture capital financing structures, fundraising cycles, cash runway analysis, and the unique credit risks associated with early-stage organizatio
• ns.
• Experience working with ERP systems (such as SAP, Oracle, or similar) and advanced proficiency in Microsoft Excel.
• Excellent analytical, problem-solving, and decision-making skills with strong attention to detail.
• Strong communication and stakeholder management skills, with the ability to influence and negotiate effectively at all levels.

• Fluency in English, both written and spoken

• Professional finance or credit qualifications (e.g., CICM, ACCA, CIMA, CPA, or equivalent) are desirable.

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You will feel at home at Lonza if you:

• Take ownership, step forward, and enjoy meaningful responsibility
• Love solving problems and thrive in a complex, fast-moving environment
• Are curious, always looking to learn and improve
• Work collaboratively, contributing to something bigger than yourself
• Are motivated to make a difference through work that impacts customers and their patients

Why Lonza:

We are a place of unique opportunity, where your ideas, expertise and ambition can make a real difference. Here, you will have the freedom to grow, the support to succeed and the chance to contribute to work that matters.

We are the makers of the medicines of tomorrow.

Join us. Be you. Apply now