CREDIT RISK MANAGER URGENT

TotalEnergies; Valencia; Presencial; EUR 40.000 - 80.000; Jornada completa

Descripción de la vacante

An established industry player is seeking a skilled Credit Analyst to lead financial risk management and credit policy development. In this pivotal role, you will analyze customer solvency, manage receivables, and contribute to credit committees, ensuring adherence to credit policies while supporting sales teams. Your expertise in negotiation and analytical thinking will be essential for driving digital transformation initiatives in credit risk management. Join a company that values diversity and offers equal career opportunities, where your contributions will make a significant impact in navigating complex financial landscapes.

Formación

• 5+ years in credit analysis or related fields, including 2 years in a managerial role.
• Experience in process automation for data management and risk detection.

Responsabilidades

• Collaborate with Sales to analyze customer payment behaviors and set credit limits.
• Monitor accounts receivable and manage relationships with credit insurers and banks.

Conocimientos

Credit Analysis

Negotiation

Dispute Arbitration

Analytical Thinking

Organizational Skills

Educación

Financial Degree

Descripción del empleo

AS24 Spain is an affiliate of AS24 SAS France, which is itself an affiliate of TotalEnergies. The company operates in a highly competitive and volatile market with high value creation potential, requiring rapid reactions and strong financial risk control. It maintains continuous contact with 28 other AS24 affiliates across Europe, navigating complex international legislation, market changes, and regulatory environments. The business model's complexity involves interdependent subsidiaries that generate synergies and network effects.

Activities

1. Customer credit policy: Collaborate with Sales representatives to analyze customer payment behaviors, including average consumption and late payments. Raise awareness of credit issues and work with the Managing Director (MD) to set credit limits (DMA) in accordance with established procedures.
2. Analyze customer solvency: For key clients or large accounts, review balance sheets and profit & loss statements to identify financial weaknesses. Conduct external and internal financial scoring to assess customer risk classes.
3. Reminder policy: Review DSO history by customer type and tailor reminders (calls, emails, texts). Implement collection procedures for unpaid invoices as per insurance contracts.
4. Management of receivables: Monitor accounts receivable, communicate with customers regarding limits, analyze disputes, and negotiate guarantees when necessary.
5. Contribution to Credit Committees: Participate in weekly and quarterly meetings to review overdue accounts, customer statuses, payment plans, and KPI evolution. Prepare detailed reports for Europe’s largest customers/groups.
6. Assistance to sales: Support sales teams on credit management issues and ensure adherence to credit policies.
7. Relations with external providers: Manage relationships with credit insurers and banks, including declarations of unrecoverable receivables and liquidity management.
8. Management of disputes: Prepare litigation files, monitor legal proceedings, and coordinate with legal entities for receivable recovery.
9. Digital transformation: Lead initiatives to digitize credit risk management, implementing tools for risk assessment, payment tracking, and reporting automation.

Candidate Profile

Candidate should hold a financial degree or equivalent, with at least 5 years in credit analysis or related fields, including 2 years in a managerial role. Experience in process automation for data management and risk detection is essential. Skills include negotiation, dispute arbitration, legal procedure organization, numerical rigor, analytical thinking, and strong organizational skills. Proficiency in Spanish and English is required; French is a plus.

Additional Information

TotalEnergies values diversity, promotes individual growth, and offers equal career opportunities.