Michael Hammersen

Credit Risk & Credit Data Analyst @Cambridge University Press & Assessment

Cambridge, GB

Supported credit control during peak demand by contacting clients and chasing overdue balances- Reviewed customer financials and compiled business cases for high-value credit approvals, including a £55 million credit limit for a key global account- Discovered a method to calculate peak historical balances across accounts by restructuring SAP data, improving accuracy for £270 million in global exposure- Collaborated with the offshore team in the Philippines to cleanse SAP credit master data and resolve issues with group keys and legal entity structures- Designed and implemented a credit limit framework aligned with Allianz insurance standards and internal compliance policy- Monitored exposure, breaches, and multi-currency limits across 170 countries, recommending adjustments and ensuring policy adherence- Authored geopolitical risk reports and served as the internal escalation point for regional credit and compliance concerns- Conducted detailed reviews of customer structures and parent–subsidiary relationships to ensure accurate credit exposure tracking and group-level risk assessment- Built in-house credit scoring algorithms and dashboards to support risk reclassification and data-driven decision-making.