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As a **Philips Capital Risk & Portfolio Manager** , you’ll play a senior role in close cooperation with the Philips Capital Market organization, taking ownership of credit responsibilities for on-balance financing transactions and serving as the second pair of eyes for credit approvals **across North America and Latin America** . This high-impact role requires **strong communication skills in both English and Spanish** , as you’ll engage directly with internal stakeholders and external partners across regions to support strategic deal-making and long-term customer partnerships.

Your role:

+ Lead credit risk assessments and deal structuring for on-balance and warehoused financing transactions, ensuring alignment with Philips’ risk-return criteria. Collaborate with finance, legal, and commercial teams to guide due diligence, negotiate terms, and support strategic deal execution across North and Latin America.

+ Manage the on-book portfolio and customer engagement, including credit applications, financial and contractual risk analysis, delinquency monitoring, and direct interaction with customers during credit reviews, overdue situations, and potential restructurings.

+ Support balance sheet offloading strategies, including negotiating sell-down structures with financiers and customers, engaging with bank credit departments, and contributing to automation and data analytics initiatives to enhance risk monitoring and reporting processes.

You are the right fit if:

+ You’ve acquired 5+ years of experience with a Bachelor's degree—or 3+ years with a Master's—in areas such as Corporate Finance, Investment Banking, Credit Risk Management, and Financial Analysis. Your background includes exposure to Structured Financing, Trade Finance, Leasing, or Credit Insurance, particularly within financing companies or captive finance entities.

+ Your skills include expertise in credit risk management, financial planning and analysis (FP&A), and financial modeling, supported by strong data analysis and financial statement analysis. You offer sharp commercial acumen, effective stakeholder management, and a deep understanding of healthcare organizations, enabling strategic financial oversight and contract negotiation across complex environments. Additionally, you have experience in financial modelling (including NPV / IRR analysis for investments), basic statistical analysis and process standardization.

+ You have a Bachelor’s (required) / Master’s (preferred) in Finance, Economics, Business Administration, Accounting or equivalent. Certifications are a plus (i.e. CFA, FRM, etc.)

+ You must be able to successfully perform the following minimum Physical, Cognitive and Environmental job requirements with or without accommodation for this position.

+ You're a strong communicator with excellent organizational and interpersonal skills, able to manage multiple priorities in fast-paced, matrix environments. With a sharp analytical mindset and attention to detail, you bring expertise in financial analysis, credit risk, and complex deal structures like MES, PPPs, and SPVs. As a self-starter, you thrive in cross-cultural teams and are skilled in evaluating investments and financial models, particularly in the healthcare sector. Also, you are able to independently form opinions on complex matters and to defend your views in discussions, as well as balance this with an open mindset and willingness to listen and understand different opinions.

How we work together

We believe that we are better together than apart. For our office-based teams, this means working in-person at least 3 days per week. Onsite roles require full-time presence in the company’s facilities. Field roles are most effectively done outside of the company’s main facilities, generally at the customers’ or suppliers’ locations.

This is an office role.

About Philips:

We are a health technology company. We built our entire company around the belief that every human matters, and we won't stop until everybody, everywhere, has access to the quality of healthcare that we all deserve. Do the work of your life to help improve the lives of others.

+ Learn more about our business.

+ Discover our rich and exciting history.

+ Learn more about our purpose.

+ Learn more about our culture.

Philips Transparency Details

The pay range for this position in Cambridge, MA is $124,000 to $197,000.

The actual base pay offered may vary within the posted ranges depending on multiple factors including job-related knowledge/skills, experience, business needs, geographical location, and internal equity.

In addition, other compensation, such as an annual incentive bonus, sales commission or long-term incentives, may be offered. Employees are eligible to participate in our comprehensive Philips Total Rewards benefits program, which includes a generous PTO, 401k (up to 7% match), HSA (with company contribution), stock purchase plan, education reimbursement and much more. Details about our benefits can be found here.

At Philips, it is not typical for an individual to be hired at or near the top end of the range for their role and compensation decisions are dependent upon the facts and circumstances of each case.

Additional information:

US work authorization is a precondition of employment. The company will not consider candidates who require sponsorship for a work-authorized visa.

Company relocation benefits **will not** be provided for this position. For this position, you must reside in **or** within commuting distance to **Cambridge, MA.**

It is the policy of Philips to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, ethnicity, religion, gender, pregnancy/childbirth, age, national origin, sexual orientation, gender identity or expression, disability or perceived disability, genetic information, citizenship, veteran or military status or a person’s relationship or association with a protected veteran, including spouses and other family members, marital or domestic partner status, or any other category protected by federal, state and/or local laws.

As an equal opportunity employer, Philips is committed to a diverse workforce. In order to ensure reasonable accommodation for individuals protected by Section 503 of the Rehabilitation Act of 1973, the Vietnam Veterans' Readjustment Act of 1974, and Title I of the Americans with Disabilities Act of 1990, applicants that require accommodation in the job application process may contact 888-367-7223, option 5, for assistance.

Equal Employment and Opportunity Employer/Disabled/Veteran