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Commercial Credit Manager

On-site in Spain·Added yesterday (last checked 26 Oct)

bonÀrea Agrupa

56 open roles

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Our summary

Work mode: On-site, Spain
Education: University degree

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Skills

This job advert was originally written in Catalan.

Requirements

What we're looking for

- Experience in credit, financial risk, treasury, or client control areas.
- Knowledge of financial analysis and interpretation of financial statements.
- Experience in managing client portfolios and monitoring commercial risk.
- Ability to make decisions based on objective criteria and internal policies.
- Advanced mastery of Excel.
- Knowledge of ERP systems and business management tools.
- Mastery of the Microsoft 365 environment.
- Interest in new technologies, digitization, and artificial intelligence applied to business processes.
- Experience in Power BI, Power Automate, SharePoint, Teams, and Copilot will be valued.

- Professional style: Analytical profile oriented toward decision-making. Ability to balance commercial objectives with prudent risk management. Rigorous, methodical person with their own judgment. Good internal communication and negotiation skills. Initiative to drive changes and improvements in processes. Technological curiosity and a will for continuous learning. Ability to work transversally with different teams in the organization.

- Key competencies: Financial analysis and risk management. Commercial credit management. Critical thinking and decision-making capacity. Results orientation. Digital transformation and continuous improvement. Planning and organization. Communication and influence. Autonomy and responsibility. Teamwork. Adaptability to change.

Education & certifications

- Degree in Business Administration and Management (ADE), Economics, Finance, Accounting, or similar qualifications.
- Profiles with a Higher Level Vocational Training (CFGS) in Administration and Finance with proven experience in credit management, commercial risk, or financial areas will also be valued.

The role

Job Description

What you'll do

At A bonÀrea, we are looking for a person to join the Commercial Credit area, taking on the responsibility for the management, monitoring, and control of the client portfolio risk.
The selected person will be responsible for ensuring that commercial operations are carried out within the risk levels, credit limits, and policies established by the company, providing support to commercial teams in decision-making related to sales authorization and collection conditions.
Additionally, they will actively participate in continuous improvement and digital transformation projects within the department, collaborating in the implementation of new tools, processes, and technologies aimed at increasing operational efficiency, especially within the Microsoft 365 and Copilot ecosystem.
This is an ideal opportunity for a person with financial knowledge, an analytical vision, decision-making capacity, and an interest in technological innovation.

Main functions:
Commercial Credit Management:
- Manage and control the assigned client portfolio.
- Analyze financial solvency and the risk associated with clients.
- Establish, review, and update credit limits according to corporate policies.
- Authorize or deny commercial operations within established internal procedures.
- Provide support to commercial teams in decision-making related to client risk.
- Monitor exposure levels, defaults, and collection incidents.
- Participate in the definition and updating of risk control protocols and procedures.
- Prepare periodic reports on the state of the portfolio, delinquency, and risk exposure.
- Coordinate with the financial, commercial, and legal areas when necessary.

Continuous Improvement and Digital Transformation:
- Identify opportunities for improvement in the department's administrative and financial processes.
- Participate in digitization and process automation projects.
- Promote the efficient use of Microsoft 365 tools within the area.
- Collaborate with the continuous improvement, BI, and process teams in driving new initiatives.
- Accompany users in adapting to new tools and working methodologies.
- Participate in the implementation and dissemination of solutions based on Copilot, automations, and collaborative tools.

About bonÀrea Agrupa

bonÀrea Agrupa is the corporate group behind bonÀrea, a Spanish food and services group with its corporate address in Guissona (Lleida). Its model is built on selling food 'directo del campo' — direct from the field, with guaranteed origin and no intermediaries — through food stores, buffet-restaurants, service stations, agrocentros serving the livestock and farming world, and Cash&Carry Food Service outlets for professionals. Beyond food, the group runs energy services (fuel, electricity, gas), telecom, insurance and tax/accounting/labour advisory services, CaixaGuissona banking, and a foundation active in elderly care, sport and health, and education.

Industry: Food Production and Retail
In Spain: Guissona

Good to know if you are moving

Current openings are also located at other Spanish sites, including Épila (Aragon), Gavà, Montcada i Reixac, Barcelona, Reus and Lleida.
The group is highly diversified: food retail, buffet-restaurants, fuel/energy, telecom, insurance, tax and labour advisory, CaixaGuissona banking, agro-supplies and a foundation, offering varied functional paths beyond food production.
Its buffet-restaurant concept is described as endorsed by more than 13 million customers over 29 years.

All open roles at bonÀrea Agrupa