Tural Jabbarov
Credit Risk Manager
Poznan
Summary
Results-driven finance professional with strong leadership in credit risk and AR management across EMEA markets. Experienced in driving regional finance strategy, optimizing processes, and partnering with cross-functional teams in multinational environments.
Overview
8
8
years of professional experience
Work History
Credit Manager, EMEA
ADM
09.2025 - Current
- Led a team of 5 credit analysts across EMEA, overseeing risk management activities.
- Managed a 12 billion USD portfolio covering Oilseeds, Agricultural Services, and Carbohydrates businesses.
- Established and monitored credit limits, risk ratings, and securities, ensuring portfolio resilience against market volatility.
- Drove process improvements that enhanced credit decision efficiency and reduced overdue exposure.
- Partnered with commercial, legal, and treasury teams to align credit strategy with business growth.
- Delivered regular counterparty risk reviews and implemented mitigation plans for high-risk customers.
Regional AR & Credit Controller – UK, Ireland & EMEA Support
Sony Europe
08.2024 - 08.2025
- Provide expertise in credit risk management to minimize bad debts and handle related accounting matters, including insurance and legal topics.
- Prepare annual counterparty credit reviews and perform ad hoc credit assessments for global customers.
- Support financial reporting and cash flow forecasting in collaboration with sales and controlling teams.
- Review and release credit-blocked orders in a timely and controlled manner.
- Identify process improvement opportunities to increase efficiency and reduce workload while optimizing credit exposure.
- Lead credit reviews and participate in regional stakeholder meetings to align strategies and targets.
- Train new joiners and share best practices within the AR & Credit team.
Senior Credit Risk & Collections Specialist
Shell
12.2021 - 08.2024
- Led operational projects with interdepartmental leaders, improved decision making efficiency and the successful launch of four major credit risk projects.
- Developed and implemented credit policies and procedures, reduced overall credit approval time by 20% and improved decision accuracy by 30%.
- Monitored KPI targets and provided guidance and trainings to Credit Assessment, Debt Collection and Cash Application teams which boosted productivity by 40%.
- Responsibility of 200 million USD-sized portfolio of retail business in Turkey, mitigated credit risk and improved portfolio profitability by +7.2 million USD.
- Determined credit risk ratings and credit limits by conducting detailed financial analysis of customer financial statements, reduced credit loss by 5%.
- Increased overall security coverage from 20% to 60%, decreased bad debt below 0.01% and significantly lowered overdue despite turmoil in the economy.
Senior Compliance Associate
Amazon
02.2021 - 12.2021
- Reviewed product classifications to align with customs and tax codes, minimizing financial risk exposure.
- Collaborated with internal finance teams to validate documentation for audits and import/export accuracy.
- Supported risk mitigation efforts by identifying potential compliance gaps in financial reporting processes.
- Maintained data accuracy for cross-border transactions, reducing discrepancies in vendor payments.
- Liaised with stakeholders to resolve classification or billing issues related to international procurement.
Order-to-Cash (O2C) Analyst
SOCAR Petroleum
01.2018 - 09.2018
- Process and route service-related write-offs, refunds, and approval requests.
- Investigate and resolve payment discrepancies, including partial allocations, reversals, and adjustments.
- Respond promptly to internal customer inquiries (e.g. Collections, Customer Advocacy, Accounts Payable).
- Support monthly AR close activities to ensure accurate reporting.
- Monitor aging receivables and take actions to reduce DSO.
- Recommend risk mitigation strategies for overdue and complex accounts.
Education
Ph.D - Risk Management
WSB University
09.2025
Master of International Business - undefined
WSB University
01.2021
Management
Tourism and Management University
07.2018
Skills
- SAP (PRP, HANA, P94)
- Microsoft Excel
- Highradius
- Microsoft Office
- PowerApps
- Jira
- P&L Analysis and Financial Reporting, Cash Flow Forecasting & Cost Control, Credit Risk Evaluation & Mitigation, KPI Monitoring (DSO, Bad Debt, Collection Rate), Credit Policy Development & Implementation, Stakeholder Alignment & Business Partnering, Process Optimization in Financial Operations
LANGUAGES
English - C1
Azerbaijani - Native
Turkish - Native
Russian - B2
Polish - B1
Timeline
Credit Manager, EMEA
ADM
09.2025 - Current
Regional AR & Credit Controller – UK, Ireland & EMEA Support
Sony Europe
08.2024 - 08.2025
Senior Credit Risk & Collections Specialist
Shell
12.2021 - 08.2024
Senior Compliance Associate
Amazon
02.2021 - 12.2021
Order-to-Cash (O2C) Analyst
SOCAR Petroleum
01.2018 - 09.2018
Master of International Business - undefined
WSB University
Management
Tourism and Management University
Ph.D - Risk Management
WSB University
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