Credit & Collections Analyst

Arclin; Asturias; On-site; EUR 42,000 - 66,000; Full time

Job summary

Arclin, a rapidly growing global chemical manufacturer, seeks a Credit & Collections Analyst in Asturias, Spain, to support EMEA credit operations. You will assess credit risk, set limits, and drive collections, enabling sales while ensuring compliance.

The role collaborates with Sales, Customer Service, and Finance, focusing on cash flow optimization and risk control. The ideal candidate has a finance or accounting background, 2+ years in credit or A/R, English fluency, and SAP/S4HANA

Qualifications

• Bachelor’s degree in Finance, Accounting, or related field.
• 2+ years of experience in credit, collections, or A/R management.
• English fluency required.
• Public company experience preferred.
• SAP S/4HANA credit/collections modules experience preferred.
• Knowledge of credit management platforms (BlackLine, HighRadius) preferred.
• Strong analytical skills including financial analysis and Excel/Power BI use.
• Understanding of credit risk management and collections strategies.

Responsibilities

• Assess and quantify customer credit risk and limits for the EMEA region.
• Release orders on hold due to credit holds within parameters.
• Collaborate with Sales and Commercial teams to evaluate customers and resolve payment issues.
• Monitor accounts and perform collections via email, calls, or portals.
• Analyze aging and customer risk to prioritize collections and improve DSO.
• Support A/R reporting: DSO, aging, bad debt, and exposure metrics.

Education

Bachelor’s degree in Finance, Accounting, or related field

Tools

SAP S/4HANA

BlackLine

HighRadius

Excel

Power BI

Job description

You can find Arclin everywhere. Our technologies make homes and transportation safer, help crops flourish, keep water clean, protect first responders and members of the military, and preserve the purity of essential pharmaceuticals. These vital, everyday products can't fail, and we’re here to give the world an extra layer of performance and peace of mind.

With ~4,000 team members across more than 30 global manufacturing facilities, we operate with the scale to make a global impact and the agility to solve complex challenges at the molecular level. Rooted in scientific discovery and innovation, Arclin’s materials redefine performance across industries - from Firepoint®’s patented intumescent technology that helps stall flames and save lives to the iconic Kevlar® and Nomex® brands trusted to protect those who serve, strengthen aerospace and industrial systems, and perform where reliability and safety are top of mind.

As we expand our mission‑critical materials portfolio and shape the next era of performance technologies, we’re looking for people who want to grow, lead, and solve the challenges others can’t. Together, we’ll advance the innovations that keep the world moving. Because at Arclin, our people are truly Vital Beyond Measure.

Arclin is a rapidly growing, $2.5 billion global chemical manufacturer that applies advanced technology to solve complex product and environmental performance challenges across building products, agriculture, and other industries. We are seeking a Credit & Collections Analyst based in Asturias, Spain, to support our EMEA Credit and Collections function.

Position Summary

The Credit & Collections Analyst - EMEA is responsible for assessing and quantifying customer Credit risk and Credit limits, while maximizing cash flow through proactive collections management for the EMEA region. This role works with Sales, Customer Service, and the customer to enable sales, release order blocks as necessary, and call upon customers for payment on past-due invoices, while maintaining strict compliance with local laws.

Key Responsibilities

Credit & Risk Management

• Establish and enforce standardized credit risk assessment methodologies, including financial analysis, external credit data, and behavioral payment analytics.
• Approve and monitor customer credit limits, payment terms, and risk exposures for the EMEA region, with support from the Global Credit Manager.
• Release orders on hold (credit holds) due to over credit limit within parameters
• Partner with Sales and Commercial teams as needed to evaluate customers or to solve customer payment issues.

Collections & Accounts Receivable Management

• Monitor and prioritize accounts, perform collection activities through email, phone calls, or customer portals.
• Release orders on hold (credit holds) due to past-dues within parameters
• Analyze aging and customer risk to prioritize collection activities, resolve overdue balances and assist with improving DSO.
• Drive disciplined execution of escalation processes, including collections prioritization, dispute resolution, and order blocking.

Reporting, Analytics & Performance Management

• Assist with A/R reporting, including DSO, aging, bad debt, and credit exposure metrics.
• Leverage data analytics to identify trends, optimize customer segmentation, and improve decision-making.

Qualifications

Education & Experience

• Bachelor’s degree in Finance, Accounting, or related field
• 2+ years of experience in credit, collections, or A/R management
• English fluency required
• Experience operating in a public company preferred.
• Preferred hands‑on experience with SAP or SAP S/4HANA credit or collections modules.
• Knowledge of credit management/cash application platforms (e.g., BlackLine, HighRadius, or similar) preferred.
• Strong analytical capabilities, including financial analysis, and use of Excel, Power BI tools, and dashboards.
• Basic understanding of global credit risk management, accounts receivable lifecycle and collections strategies, internal audit, and compliance frameworks, working capital optimization and cash flow management.
• Ability to collaborate with and influence cross-functional stakeholders, to balance commercial objectives with risk discipline.
• Process-oriented mindset with a focus on standardization and control.
• Excellent communication skills, including reporting skills.