Credit Risk Financial Analyst

About the position PepsiCo products are enjoyed by consumers more than one billion times a day in more than 200 countries and territories around the world. PepsiCo generated more than $91 billion in net revenue in 2024, driven by a complimentary beverage and convenient foods portfolio that includes Lay’s, Doritos, Cheetos, Gatorade, Pepsi-Cola, Mountain Dew, Quaker, and SodaStream. PepsiCo's product portfolio includes a wide range of enjoyable foods and beverages, including many iconic brands that generate more than $1 billion each in estimated annual retail sales. Guiding PepsiCo is our vision to Be the Global Leader in Beverages and Convenient Foods by Winning with PepsiCo Positive (pep+). pep+ is our strategic end-to-end transformation that puts sustainability and human capital at the center of how we will create value and growth by operating within planetary boundaries and inspiring positive change for planet and people. For more information, visit www.pepsico.com. In this role, you will establishes the agenda for managing customer credit risk, develops customer-specific risk mitigation strategies, and leads the implementation of those strategies. The position is a strategic role that requires proactive financial analysis on at-risk accounts to formulate and recommend appropriate actions / strategies. You will own your customer portfolio, perform credit research, and convey this information in a succinct executive format to other internal stakeholders to drive change. The role is highly visible and interfaces with senior finance, sales, control, and legal teams to mitigate risk while maximizing margin. You will also be external facing with customers for all credit risk matters, and therefore will need strong negotiation skills to deliver results. This is a hybrid role based in our Winston-Salem office

Responsibilities

• Review financial statements both quantitatively and qualitatively to assess risk
• Establish executive finance relationships with customers to gain financial insight
• Clearly recommend and define mitigation strategies for high-risk accounts to internal stakeholders
• Participate and represent PepsiCo through bankruptcies
• Stay up to date with industry trends to proactively identify risk
• Prudently defend PepsiCo from loss by assertively influencing the customer
• Build and maintain a strong network within the credit community (peers and professionals)
• Prepare and present quarterly Credit Committee communications to PepsiCo executives
• Act as single point of contact for escalations and remediation for areas of ownership
• Ensure well-controlled environment by owning / understanding relevant control activities
• Support team with ad-hoc requests
• Lead projects designed to optimize credit risk function
• Proactively incorporate technology and harmonize processes to improve the way PepsiCo operates

Requirements

• Bachelor's Degree required, preferably in Finance, Accounting, Business, Economics, or related area
• 2+ years of relevant experience
• Strong understanding of financial statements

Nice-to-haves

• MBA, CFA, CPA or other relevant designation strongly preferred
• Understanding of commercial contracts and / or bankruptcy
• Familiarity with U.S. GAAP
• Well-developed analytical and problem-solving skills
• Highly effective communication skills, both written and verbal
• Ability to influence and engage in negotiation
• Ability to collaborate with cross-functional partners to drive shared deliverables and discuss business issues / risks / opportunities
• Ability to work on multiple projects and prioritize workload, with a demonstrated results orientation

Benefits

• Bonus based on performance and eligibility target payout is 5% of annual salary paid out annually.
• Paid time off subject to eligibility, including paid parental leave, vacation, sick, and bereavement.
• Medical, Dental, Vision, Disability, Health, and Dependent Care Reimbursement Accounts, Employee Assistance Program (EAP), Insurance (Accident, Group Legal, Life), Defined Contribution Retirement Plan.

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