Credit Risk Financial Analyst

Overview

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.

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

Compensation and Benefits:

• The expected compensation range for this position is between $69,900 - $117,000.
• Location, confirmed job-related skills, experience, and education will be considered in setting actual starting salary. Your recruiter can share more about the specific salary range during the hiring process.
• 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.
• In addition to salary, PepsiCo offers a comprehensive benefits package to support our employees and their families, subject to elections and eligibility: Medical, Dental, Vision, Disability, Health, and Dependent Care Reimbursement Accounts, Employee Assistance Program (EAP), Insurance (Accident, Group Legal, Life), Defined Contribution Retirement Plan.

Qualifications

Minimum Qualifications:

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

Preferred Qualifications:

• MBA, CFA, CPA or other relevant designation strongly preferred
• Understanding of commercial contracts and / or bankruptcy
• Familiarity with 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

EEO Statement

Our Company will consider for employment qualified applicants with criminal histories in a manner consistent with the requirements of the Fair Credit Reporting Act, and all other applicable laws, including but not limited to, San Francisco Police Code Sections 4901-4919, commonly referred to as the San Francisco Fair Chance Ordinance; and Chapter XVII, Article 9 of the Los Angeles Municipal Code, commonly referred to as the Fair Chance Initiative for Hiring Ordinance.

All qualified applicants will receive consideration for employment without regard to age, race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran status, or disability status.

PepsiCo is an Equal Opportunity Employer: Female / Minority / Disability / Protected Veteran / Sexual Orientation / Gender Identity / Age

If you'd like more information about your EEO rights as an applicant under the law, please download the available EEO is the Law & EEO is the Law Supplement documents. View PepsiCo EEO Policy.

Please view our Pay Transparency Statement