Company Description
Experian is a global data and technology company, powering opportunities for people and businesses around the world. We operate across a range of markets, from financial services to healthcare, automotive, agribusiness, insurance, and many more. Experian invests in people and new advanced technologies to unlock the power of data. We have an amazing team of 25,200 people in 32 countries.
Job Description
Area Overview:
The SMB (Small & Medium Business) segment of Experian Spanish Latam is the business unit responsible for serving and commercially developing micro, small, and medium-sized enterprises in the country. The segment manages a broad base of corporate clients that demand data, analytics, and innovation solutions to optimize their credit, collections, fraud prevention, identity validation, automation, and digitalization processes.
SMB is structured into three major teams: Acquisition (responsible for acquiring new clients), Deepening (responsible for retention, growth, and portfolio expansion among existing clients), and After-sales (which ensures correct operation and customer satisfaction). The Operational Excellence area is cross-functional across these teams and is responsible for ensuring the financial health, analytics, and operational efficiency of the segment.
Purpose of the role:
This person is responsible for leading the operational and financial excellence of the SMB segment. Their core mission is to ensure the sustainable closing of segment revenue, optimize portfolio recovery, strengthen business analytics and tracking, and implement a profitability model per segment that provides visibility into the P&L, while leading a team.
The Operational Excellence Manager must ensure discipline in revenue and expense closing, control and reduction of past-due portfolios, the construction of dashboards and early warnings to support decision-making, and the implementation of commission schemes and profitability models evaluated with cost-benefit criteria. Additionally, they must lead end-to-end improvements that impact revenue and business quality, in coordination with the Finance, Portfolio, Commissions, Revenue Recognition, and Projects areas.
Deliverables:
Design and implement the operational and financial management model for the SMB segment, ensuring sustainable revenue closing, portfolio control and recovery, business analytical robustness, and visibility of profitability per segment (P&L), with a focus on efficiency, control, and growth.
Responsibilities of the role:
- Ensure the sustainable closing of SMB revenue by tracking the weekly and monthly forecast and validating business lines with commercial areas.
- Optimize portfolio recovery and minimize financial impacts for the segment by leading the tracking of past-due portfolios (Over 60), alerts, and collection strategy.
- Strengthen business analytics and tracking by leading the high-impact roadmap in analytics, dashboards, early warnings, and customer clusters.
- Implement a profitability model per segment that allows for visibility into the business P&L, tracking the corresponding roadmap.
- Lead the roadmap for commission schemes, evaluating each scheme with cost-benefit analysis before implementation.
- Lead end-to-end improvements with an impact on revenue and quality, ensuring compliance with the segment's project roadmap under the pillars of efficiency, control, and growth.
- Coordinate the area's budget definition, track its execution, and analyze variances against the plan.
- Oversee expense closing, validation of financial impacts, and control of invoices related to the segment's P&L.
- Ensure the preparation of commission inputs and the validation of figures used for the commercial team's settlement.
- Track collections from new acquisitions, validate clients to be recognized (revenue recognition), and monitor segment transactionality.
- Manage the creation and administration of business pools under the One Experian scheme for high-value businesses.
- Validate the financial impact of credit notes, identifying those responsible and strengthening preventive controls.
- Prepare and consolidate information for executive presentations and the monthly report of the segment's OKRs/KPIs.
- Lead and develop a team of professionals, distributing responsibilities regarding budget, portfolio, commissions, collections, projects, and KPIs.
Strategic Performance Objectives
- SMB Revenue Closing — Ensure sustainable closing of segment revenue
- Reduction of Over 60 Portfolio — Optimize portfolio recovery and minimize financial impacts
- Analytics Roadmap Compliance — Strengthen business analytics and tracking (dashboards, early warnings, clusters)
- P&L per Segment Model Roadmap — Implement a profitability model that provides visibility into the P&L
- Commission Schemes Roadmap — Evaluate commission schemes with cost-benefit analysis
- Project Roadmap Compliance — Lead end-to-end improvements with an impact on revenue and quality
Qualifications
- Education: Professional degree in Finance, Business Administration, Industrial Engineering, Economics, Accounting, or related fields. A specialization or postgraduate degree in Corporate Finance, Business Analytics, Management, or an MBA is desirable.
- Experience: Minimum 5 years. Experience in portfolio management, commission schemes, and profitability models is desirable. Experience leading small teams is desirable.
- Required technical knowledge: Budget planning and control, variance analysis, and expense closing. Portfolio management and tracking, past-due indicators, and collection strategies. Construction and analysis of commission schemes with cost-benefit evaluation. Profitability modeling per segment (P&L) and financial analysis. Advanced Excel skills, BI tools (Power BI/Tableau), and construction of dashboards and early warnings. Ability to prepare executive presentations and communicate results to different levels of the organization.
Additional Information
Our uniqueness is that we celebrate what makes us different. Experian's culture and people are key differentiators. We take our people agenda very seriously and focus on what really matters: DEI, work-life balance, development, authenticity, engagement, collaboration, well-being, reward and recognition, volunteering... and the list goes on. Experian's strong people-first approach has been awarded: Great Place To Work™ in 24 countries, FORTUNE Best Companies to Work For, and Glassdoor Best Places to Work (4.4 stars globally), to name a few. Take a look at Experian Life on social media or our careers site to understand why.
Experian is proud to be an equal opportunity and affirmative action employer. Innovation is a fundamental part of Experian's DNA and practices, and the diversity of our workforce drives our success. Everyone can succeed at Experian and bring their full selves regardless of gender, ethnicity, religion, color, sexuality, physical ability, or age. If you have a disability or special need that requires accommodations, please let us know as soon as possible.
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