CREDIT MANAGEMENT

Ariston Holding N.V.; Fabriano; On-site; EUR 36,000 - 44,000; Full time

Job summary

Ariston Group in Fabriano, Italy, is seeking a Credit Management specialist to support the Group Credit function across portfolios. You will assess customer creditworthiness, define credit limits and payment terms, and handle complex credit situations under delegated authority.

The role emphasizes improving credit processes, reporting, controls, standardization and automation within an international environment. Fluent English and cross-functional collaboration are valued.

Qualifications

• Bachelor's degree in economics, finance, accounting, or related field.
• Minimum 3 years of experience in Credit Management or related finance functions.
• Experience in credit assessment, limit management, exposure monitoring and credit decisions.
• Strong ability to analyze financial statements (B/S, P&L, cash flow).
• Solid communication and negotiation skills with stakeholders.

Responsibilities

• Perform in-depth analysis of customer financial statements to evaluate creditworthiness.
• Assess new customer credit risks and approve credit applications per policy.
• Define and periodically review credit limits and payment terms.
• Evaluate high-risk accounts and determine appropriate credit decisions.
• Approve or reject credit releases based on financial position and risk.
• Collaborate with Sales to balance commercial objectives with risk.
• Support credit reporting, controls and monitoring tools.
• Contribute to data-driven risk monitoring and process improvements.
• Ensure compliance with internal credit policies and controls.

Skills

Credit risk analysis

Financial statement analysis

SAP FI-CR

HighRadius knowledge

English proficiency

Cross-functional collaboration

Negotiation skills

Education

Bachelor's degree in Economics/Finance/Accounting/Business Administration

Tools

SAP HANA/ECC FI-CR

BI modules

HighRadius

Job description

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Ariston Group is a global leader in sustainable climate and water comfort, listed on Euronext Milan. In 2025 the group reported 2.7 billion-euro revenues, with almost 11,000 employees, direct presence in 41 countries in 5 continents, 32 production sites and 31 research and development centers. The group demonstrates its commitment to sustainability through renewable and high-efficiency solutions, including heating heat pumps, water heating heat pumps, hybrids, domestic ventilation, air handling, electric components, and solar thermal systems, while continuously investing in technological innovation, digitalization, and advanced connectivity solutions. The group operates under global strategic brands Ariston, Wolf and Elco, and brands such as Calorex, NTI, Atag, Domotec, Brink, Chromagen, Racold, as well as Thermowatt and Ecoflam in the components and combustion technologies business.

CREDIT MANAGEMENT

Department: Group Administration&Accounting
Reports To: Group Credit Control
Location: Fabriano, Italy

Position Overview

The role supports the Group Credit function in managing customer credit risk across assigned portfolios, with a focus on credit assessment, exposure management, and credit decision-making. The position is responsible for assessing customer financial creditworthiness, defining appropriate credit limits and payment terms, and managing complex or non-standard credit situations that require enhanced scrutiny or fall outside routine credit operations.
The role makes credit decisions within delegated authority, balancing commercial requirements with credit risk and company policy, and contributes to continuous improvement initiatives aimed at strengthening credit processes, reporting, controls, standardization, automation, and operational efficiency.

Job Responsibilities

• Perform in-depth analysis of customer financial statements, including Balance Sheet, Profit & Loss and Cash Flow information, to evaluate creditworthiness, financial sustainability and capacity to support the requested exposure
• Assess new customer credit risks and approve credit applications in line with company credit policies
• Define, approve and periodically review credit limits and payment terms, ensuring alignment with customer risk profiles, business requirements and delegated thresholds
• Evaluate complex or higher-risk customer accounts, including elevated exposures and non-standard risk profiles, and determine the appropriate credit decision
• Approve or reject credit releases based on customer financial position, payment behaviour, current exposure and overall risk assessment
• Partner with Sales and other relevant functions to balance commercial objectives and customer needs with the company’s credit risk appetite and policies
• Support the development and enhancement of credit reporting, controls and monitoring tools to improve visibility of customer exposure and emerging risks
• Contribute to continuous improvement initiatives and data-driven analysis aimed at strengthening credit risk monitoring, decision-making, process standardization and operational efficiency
• Ensure compliance with internal procedures, credit policies, delegated authorities and control requirements related to credit management activities.

Qualifications & Skills

• Bachelor's Degree in Economics, Finance, Accounting, Business Administration, or a related field
• Minimum 3 years of experience in Credit Management, Credit Risk, Finance, or related functions within structured organizations
• Practical experience in credit assessment, credit-limit management, exposure monitoring, and credit decision-making
• Strong knowledge of financial statement analysis, including Balance Sheet, Profit & Loss, and Cash Flow Statement analysis
• Experience with SAP HANA/ECC, particularly FI-CR and BI modules; knowledge of HighRadius solutions is considered a plus
• Strong analytical and problem-solving skills, with the ability to evaluate complex financial information, identify risks, and make sound credit decisions
• Strong communication and negotiation skills, with a customer-oriented approach and the ability to work effectively with commercial and cross-functional stakeholders
• Proactive, accountable, and results-oriented attitude, with a forward-thinking approach to change, continuous improvement, and execution
• Ability to work effectively within cross-functional and international environments
• Basic level of English.

The compensation package will be determined based on the candidate’s experience, skills and the scope of the role, applying objective and gender-neutral criteria. We believe that transparency and fairness are essential to building trust, fostering inclusion and ensuring equal opportunities for everyone. As a reference, for such position we offer a salary starting from 40.000 € gross per year, depending on the candidate’s experience, skills and the scope of the role. This position is covered by the CCNL Metalmeccanici Industria.

We are committed to the principle of equal employment opportunity for all people. We strive to provide a work environment that is accessible, welcoming and inclusive, in full compliance with applicable legal requirements. In line with this commitment, we promote fair, transparent and equitable reward practices. The compensation package will be determined based on the experience, skills and the scope of the role, applying objective and gender-neutral criteria. We believe that transparency and fairness are essential to building trust, fostering inclusion and ensuring equal opportunities for everyone.