Credit & Collections Analyst

This is a fully remote position, open to applicants in Spain, +1 more country.

📋 Description

• Evaluate and quantify customer credit risks and establish credit limits for the EMEA region.

• Enhance cash flow through proactive management of collections.

• Develop and implement standardized credit risk assessment methodologies utilizing financial analysis, external credit data, and behavioral payment analytics.

• Approve and oversee customer credit limits, payment terms, and risk exposures with the assistance of the Global Credit Manager.

• Release orders that are on hold due to exceeding credit limits or overdue balances within established parameters.

• Collaborate with Sales and Commercial teams to assess customers and address payment issues.

• Monitor and prioritize accounts while conducting collection activities via email, phone calls, or customer portals.

• Analyze aging accounts and customer risk to prioritize collections, address overdue balances, and enhance Days Sales Outstanding (DSO).

• Implement escalation processes, including prioritizing collections, resolving disputes, and blocking orders.

• Support A/R reporting, which includes metrics for DSO, aging, bad debt, and credit exposure.

• Leverage data analytics to identify trends, optimize customer segmentation, and enhance decision-making.

• Ensure compliance with local laws.

⛳️ Requirements

• Bachelor's degree in Finance, Accounting, or a related field.

• More than 2 years of experience in credit, collections, or accounts receivable management.

• Proficiency in English is required.

• Experience working in a public company is preferred.

• Hands-on experience with SAP or SAP S/4HANA credit or collections modules is preferred.

• Familiarity with credit management and cash application platforms (e.g., BlackLine, HighRadius, or similar) is preferred.

• Strong analytical skills, including financial analysis and proficiency in Excel, Power BI tools, and dashboards.

• Basic understanding of global credit risk management, accounts receivable lifecycle, collections strategies, internal audit, compliance frameworks, working capital optimization, and cash flow management.

• Capability to collaborate with and influence cross-functional stakeholders while balancing commercial objectives with risk management.

• Process-oriented mindset focused on standardization and control.

• Exceptional communication and reporting skills.

🏝️ Benefits

• Comprehensive benefits package including health, dental, and retirement plans.

• Opportunities for professional development and career advancement.

• Flexible work arrangements to promote work-life balance.

• Engaging team environment with a focus on collaboration and innovation.