Making Trade Happen

A missão da Coface é facilitar o comércio global e local, fornecendo soluções que ajudam as empresas na tomada de decisões de gestão de risco comercial. Trabalhamos com as empresas para ajudá-las na mitigação dos riscos de não pagamento e proteger o seu capital através das nossas coberturas de seguro de crédito.

O nosso papel consiste também em orientar os nossos clientes num mundo que está, mais do que nunca, em constante mudança. Fornecemos informações para ajudar os nossos clientes a obter um conhecimento aprofundado sobre os seus próprios clientes, fornecedores e potenciais clientes, através de uma análise detalhada da sua saúde financeira e fiabilidade.

Além disso, antecipamos as principais tendências económicas e analisamos os riscos em vários mercados e indústrias, por localização geográfica e sector de atividade. Trabalhar na Coface significa reunir, desenvolver e promover esta experiência micro e macroeconómica única. Significa também prestar apoio diário a um conjunto de empresas para as ajudar nas suas tomadas de decisão e estratégias comerciais.

• As nossas equipas de Global Solutions apoiam o desenvolvimento das empresas multinacionais através de uma gama de serviços específicos. Neste vídeo, um dos nossos clientes - Tyrolit - fala sobre o apoio diário que recebe das equipas da Coface.

Ligarmo-nos ao mundo significa ligarmo-nos uns aos outros!

Uma das características que definem a Coface é o facto de sermos uma empresa à escala humana com um alcance internacional... onde cada indivíduo é importante. Estar rodeado por um grupo diversificado de pessoas com uma poderosa mistura de gerações, géneros e culturas. A nossa dimensão humana também se reflete no nosso éthos quando trabalhamos em conjunto: valorizamos a simplicidade, a acessibilidade e a abertura.

Como empregador, a Coface está comprometida com uma abordagem socialmente responsável baseada em três missões principais:

• Promover um ambiente de trabalho inclusivo;

• Ajudar todos os nossos colaboradores a crescer;

• Promover a igualdade de oportunidades, opondo-se a qualquer forma de discriminação.

The Happeners Making Trade Happen How does Coface connect you to the rest of the world? I have always had to work with people who are very open-minded in a sense, very open to international growth. And in my day-to-day work I'm always working with people from other countries, both at the local level - there are always foreigners in almost all the subsidiaries - but also at the regional and group level. Everyday, we communicate with the risk underwriting centres located in seven regions around the world. I think the cultural context that we have gives us the opportunity to share and implement unconventional solutions, to exchange experiences, ideas; to look at different management styles, and implement some of them in our day-to-day work. What makes the employee experience at Coface special for you? I don't feel that there are differences in terms of culture, nationalities, or even location. For me, we work in a team that is located in different places, but in everyday life, we don't see where each of us is located. We work and we make progress on our projects. It's the style of communication between departments with a willingness to always help out, and to share the experience and knowledge. I know colleagues who have very local jobs, but have been assigned international, global or regional projects. And yes, I think that has always meant that Coface can make you feel comfortable, and that you can always have that international vision and that intercultural support. Coface has an open culture: here, we can speak up freely, and share ideas across the organisation. Coface is like a big family: it does not matter what your nationality is, or what accent you speak. Each of us is contributing to the world economy, and that's our common objective. At Coface, we are Making Trade Happen. The Happeners Making Trade Happen Watch the series at coface.com/happeners

O que os nossos trabalhadores dizem sobre isto

• “A nossa rede interna "Women to Lead" procura formas de desenvolver a carreira das mulheres na Coface. Estamos também empenhados na diversidade e numa mistura de gerações a todos os níveis da empresa. A nossa diversidade também se reflete na nossa tomada de decisões - o que é, sem dúvida, uma vantagem!"

Leigh M. 
Responsável pelas áreas de Risco, Jurídica e Conformidade na África do Sul

Trabalhar em sincronia com a economia global significa operar num ambiente multicultural. As nossas equipas em todo o mundo são capazes de combinar os seus conhecimentos e trabalhar em estreita colaboração, para compreenderem um determinado mercado ou resolverem os problemas que os nossos clientes enfrentam.

A nossa perspetiva global é um fator diferenciador no trabalho diário na Coface, onde:

•Cada colaborador trabalha em estreita colaboração com os seus colegas estrangeiros, para poder servir melhor os nossos clientes em todo o mundo.

•Cada colaborador trabalha diariamente com colegas de diferentes nacionalidades e culturas no escritório, em reuniões e em programas de formação.

•Graças à nossa rede internacional única, os colaboradores beneficiam de uma vasta gama de oportunidades de mobilidade no estrangeiro - mesmo no início da sua carreira na Coface!

We received a request from a major French car manufacturer, who wants to develop its electric vehicle sales, via its main distributor in Denmark. How do you work together to meet clients' needs? I'll start by going to the Economic Research Department, to ask them for information about Denmark, specifically the electric vehicle distribution segment in the country, and market share figures, if possible. Then I go to the Information Department, to ask them about this distributor, what is the financial trend. As the economist for Northern Europe, I'm am of course the first port of call when it comes to Danish market issues. In this specific case that we're looking at, the first thing I'll do is examine automotive market data for Denmark. For example, registration figures, or the current e-vehicle trends. When I have summarized that, then I have a nice macroeconomic picture. But when it comes to micro data, for example, the specific business environment, then of course I pass this question on to my risk colleagues on site. In order to understand the risk involved with the market for electrical vehicles, I'd take a look at publically available information, such as government regulattions, the electric vehicle market's development, as well as key figures from the company. I would also contact their CFO or CEO and talk about their company, to learn about their sales figures, and what developments they expect to see in the future. What is the added value of collaboration for clients? The Coface system, is based on being "close to the risk": we know that the local people are our teams in the field, and are the best placed to respond to the requests we receive. Here, at the EIC, (Enhanced Information Centre) we survey, and collect knowledge about the most significant parts of the exposure that Coface has. You can never know absolutely everything, but you can still get enough information to improve your understanding of the company. The strong international environment is a great advantage when looking at risks from different angles and therefore making the best possible risk assessment - even if that means I have to juggle my work around different time zones! At Coface, we are Making Trade Happen. The Happeners Making Trade Happen Watch the series at coface.com/happeners

O que os nossos trabalhadores dizem sobre isto

• "Na Coface trabalho com colegas de origens muito diferentes. É um ambiente onde posso aprender sobre várias culturas e pontos de vista, sem sequer sair do escritório! A nossa diversidade fomenta a criatividade e aumenta o nosso desempenho. Isto faz da Coface um excelente local para trabalhar, juntamente com uma equipa da qual me orgulho de fazer parte."

Yuliia N. 
Key Account Manager, Coface Global Solutions no Dubai

Na nossa busca por nos reinventarmos, estamos constantemente a pôr à prova as nossas realizações e triunfos - este é o cerne do sucesso da Coface há mais de 75 anos!

Integramos novas tecnologias, especialmente a ciência de dados, no nosso modelo operacional para simplificar e melhorar as nossas operações.

Estamos a dar prioridade a novas formas de trabalho que sejam mais flexíveis, ágeis e colaborativas.

E porque o mundo está em constante mudança, encorajamos ideias inovadoras e valorizamos as mentes inquisitivas, homens e mulheres com o impulso e a ousadia de moldar um novo mundo.

In innovation, we do two main things. We have a prospective work, trying to identify the technological trends in use that will impact our businesses, our customers and our partners. We have a customer vision that guides our project. We don't do R&D to develop projects that will remain in a laboratory, but we are already driven by an existing need of our customers, which are the business lines. Coface's international database is unique in the world. The data contained in this database allows us to be absolutely predictive in evaluating a single company and the market; the risks of the market where the company operates. And this is absolutely a competitive and innovative key. We set up a hackathon, where we brought about forty people together from seven different regions. I think there were about fifteen countries represented and we got them to work remotely on customer needs, so they connected with the customers. They came, we had several stages and finally, we managed to produce a kind of prototype that we showed to our clients, who were very satisfied. So, from there, we started to build the product. With a series of small weekly challenges, each week we asked the teams to ask themselves a question, so one challenge per week. And at the end of the week, they would come and pitch their proposal. So, at the end of this hackathon, I participated in the development of the product by extracting the data used to build the different indicators used in this product. We created an innovative, user-friendly platform with the purpose of guiding companies in their sales choices. All of this not only involving our staff but also involving the clients, and this allowed us to launch a platform more rapidly, in a better performing way. Innovation is the key to success for a company. Improving our own offer, listening to the market, testing all aspects of the platform, understanding if we're meeting our clients' needs and listening to the commercial feedback. All of this helps you to innovate and to succeed. Our team works in an iterative way. Generally, we start by trying to understand a need. Then we dig in when we think we have something that starts to work. We'll do some tests. We'll try to propose things, mock-ups to customers, or test a technology with them with Coface employees. And then, the more we advance, the more we'll enrich the solution to obtain something that is a complete solution in the end. Creating a product in less than six months that corresponds to customer needs proves that we are agile. It proves that we listen to our customers and it proves that there is real creativity in what we do. At Coface, we are making trade happen.

O que os nossos trabalhadores dizem sobre isto

• "Concebemos um 'hub comercial' com um processo ágil e tecnologia de ponta para podermos criar uma equipa dedicada ao serviço ao cliente. Isto ajudou-nos a melhorar a nossa qualidade de serviço!"

Bjoern M. – Gestor de Desenvolvimento de Soluções (Alemanha)