Credit & Risk Management Coordinator

• Joining a leading multinational company in its sector.
• Participation in a financial area that is strategic for the business.
• Dynamic and collaborative international environment.
• Ongoing training and professional development.
• Exposure to different corporate areas and financial processes.
• Flexible working arrangements.
• Competitive compensation package and corporate benefits.

• Previous experience in credit risk analysis, debt recovery, portfolio management, or finance departments.
• Experience evaluating the financial solvency of customers.
• Knowledge of credit granting processes and risk monitoring.
• Experience working with sales and finance departments.
• Knowledge of ERP tools and financial management systems.
• Experience with Movex or AS/400 is desirable.
• Good proficiency in Excel and financial analysis tools.
• Ability to interpret economic and financial documentation.
• Analytical skills and critical thinking.
• Attention to detail.
• Strong decision-making skills.
• Good communication and influence skills.
• Organization and planning.
• Proactivity and autonomy.
• Ability to manage incidents and priorities.
• Teamwork and cross-functional collaboration.

• Specific training in risk management, credit, or delinquency will be highly valued.

• University degree, diploma, or higher vocational training in administration, finance, accounting, ADE, or similar.

• Native or bilingual Spanish.
• Catalan is a plus.
• Intermediate level English.
• French is highly valued.

Credit Risk Analyst / Risk Management Specialist

We are currently looking to hire a Credit Risk Analyst to join the finance area, playing a key role in the analysis and management of the credit risk of the company's customer portfolio.

As a Credit Risk Analyst, you will be responsible for analyzing and monitoring the financial risk of customers, ensuring an adequate credit granting policy and contributing to minimizing the company's financial exposure.

The position combines financial analysis, risk management, collections monitoring, and collaboration with different business areas to ensure efficient and secure management of the customer portfolio.

Reporting to the Risk Manager, the selected person will be responsible for evaluating the financial solvency of current and potential customers, monitoring credit risks, and collaborating closely with the sales and finance teams to support decision-making.

You will work in constant contact with different areas of the organization, actively participating in the prevention and management of the financial risk associated with commercial activity.

• Analyze the financial risk of current and potential customers.
• Evaluate credit applications and determine risk levels.
• Authorize new customer registrations and order unblocking in accordance with established procedures.
• Ensure the correct updating of financial and risk information in corporate systems.
• Perform continuous monitoring of the customer portfolio.
• Monitor the status of collections and maturities.
• Identify possible incidents or default risks.
• Actively participate in the preventive management of critical customers.
• Collaborate closely with the Sales, Finance, and Customer Service departments.
• Manage incidents related to collections and interpret the causes together with customers and internal teams.
• Participate in periodic debt monitoring meetings together with General Management and Sales Management.
• Facilitate communication between the different areas involved in risk management.
• Perform preventive visits to customers when necessary.
• Supervise and control identified risk situations.
• Prepare reports and recommendations on customers under special monitoring.

Location: Sant Cugat del Vallès (Barcelona)
Department: Finance
Reports to: Risk Manager