Credit Risk Specialist fluent in English and Spanish

Salario:

30.000 € - 31.000 €

Tipo de contrato:

Indefinido

Jornada:

Jornada Completa

Experiencia:

2 años de experiencia

Mission: You'll be responsible for managing and monitoring customer credit risk within the global financial services team. The role focuses on assessing creditworthiness, defining credit limits, and ensuring compliance with global credit policies, while supporting business growth and minimizing financial exposure.

The team's objective is to reduce bad debt risk and optimize trade receivables, while partnering with commercial and finance teams across different markets. Functions and Responsibilities:

• Assess and review customer risk profiles and credit limits
• Ensure the implementation and enforcement of global credit policies across all subsidiaries
• Manage relationships with credit insurance providers and oversee insurance coverage
• Monitor credit limit utilization and blockages, and take appropriate action
• Make credit decisions within assigned authority levels
• Act as a key point of contact for Customer Service and Commercial teams to communicate credit decisions and ensure timely review of new customers
• Regularly liaise with Finance Directors, General Managers, and Commercial Directors within local credit committees
• Plan and coordinate quarterly credit review activities
• Prepare reports and presentations for top management on credit risk exposure and status
• Manage claims processes with credit insurance companies

Requirements:

• Experience: Experience in credit risk analysis, financial analysis, or customer risk assessment. Exposure to credit insurance is a plus
• Education: Bachelor's degree in Economics, Business Administration, or a related field
• Languages: Fluent in English and Spanish

Competencies:

• Flexible and adaptable to change
• Excellent verbal and written communication skills
• Proactive and responsible attitude
• Strong analytical and financial assessment skills
• Strong critical thinking abilities
• Team player
• Ability to work in a fast-paced environment
• Ability to work in a multicultural environment

Specific Knowledge Required:

• Proficiency in SAP and Microsoft Office
• Experience with Power BI is a plus
• Advanced Excel skills (including macros) are an advantage

Our client is a leading international company operating in the premium beauty and fashion industry, with a strong presence across global markets. The organization is recognized for its iconic brands, innovation, and commitment to excellence, offering a dynamic and fast-paced environment for professionals looking to grow their careers in a highly competitive sector.

• Flexible working hours: start time between 7:30 and 10:00
• Hybrid work policy: 3 days in the office and 2 days remote
• Subsidized canteen offering a full menu for €3.60 (deducted directly from payroll).
• On-site gym, plus guided classes outside working hours for €18/month.
• Parking available.
• Flexible compensation plan including private health insurance, transport card, and childcare vouchers (paid through payroll).
• Pension plan with Banco Santander (fully transferable to the employee upon departure).
• Employee e-shop with discounts on company products.
• Christmas gift box with company products valued at over €1,000.
• Remote work allowance of €200 during the first month.