The mission of the job:
The Credit Manager is responsible to manage the entire credit process of the Business Area Southern Europe, contributing to the development and implementation of the credit policies, actively safeguarding the business profitability ,minimizing the risks associated.
The Credit Manager assesses the creditworthiness of existing and potential customers.
Main activities:
Customer credit risk and credit limit: assessment, definition, and maintenance Customer solvency control
Business partnering: define proper balance between business choices, compliance and economic/financial impact
Decision on payment conditions (terms and methods) respecting group policies and local regulations.
Negotiation of guarantees (bank guarantees, ...)
Responsible for the daily credit check and order release
Managing customer credit insurance activities (negotiate the credit limit, turnover declaration, claim process)
Definition, calculation and monitoring of KPIs (provision for bad debts, overdue, DSO)
Analysis of overdue amounts, management of debt collection (pre-dunning and payment reminders), definition of payment plans to ensure that the agreed payment conditions are fulfilled
Collaboration with legal office and external legal partners for claim disputes on collection activity and insolvency procedures
Generate periodic reports and provide strategic insights to management
Work closely with sales and customer service teams to ensure efficient and effective credit management
Monitoring the application of group procedures
Review and update the internal procedures, improving process efficiency, ensuring standarization and compliance in all territories
Lead & provide the management support to the team of credit analyst
Technical/hard competencies:
Business understanding
Controlling
Soft/behavioural competencies:
Leadership / Authority
Ability to communicate complex findings in a clear and concise manner
Ability to negotiate
Rigorous
Proactive
Able to adapt
Analytical/synthesis skills
Autonomous
Interpersonal skills
Management competencies:
Team Management
Language: English (B2 level)
Education: Master’s Degree in Finance or Management Control
Minimal years of experience: 5-10 years
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