Credit Management Analyst
Con Esperienza

Descrizione della Posizione Lavorativa

We are seeking a Credit Analyst to join the Finance team and contribute to the management of customer credit risk across the Order-to-Cash cycle. The role reports to the Treasury & Credit Manager and is focused on assessing creditworthiness, monitoring exposures, supporting collection activity and protecting the company's financial position through proactive risk controls.

You will closely coordinate with Commercial teams, Finance stakeholders, the Global Business Services Center (GBSC), external credit data providers, credit insurance partners and legal advisors to ensure consistent application of credit rules and efficient receivables management.

Key responsibilities

• Assess and monitor customer credit risk using financial statements, payment behaviour, credit reports and other indicators.
• Define, review and maintain customer credit limits.
• Identify risks such as overdue positions, concentration exposures and early warning signals using internal tools and external data sources.
• Manage and follow up overdue receivables; coordinate collection activities and escalate critical cases when needed.
• Collaborate on invoicing issues, cash allocation, RIBA issuance, dispute resolution and customer-related matters with Commercial teams, Finance stakeholders and GBSC.
• Support calculation, review and recharge of late-payment interest.
• Prepare and maintain credit risk reports, receivables analyses, collection updates and KPI dashboards for key stakeholders.
• Handle interactions with external parties (credit insurers, credit agencies, legal advisors) to support risk mitigation and recovery.
• Ensure compliance with internal credit policies and governance standards and contribute to continuous improvement initiatives.

Requirements

• Minimum 2 years' experience in Credit Management, Credit Risk Analysis, Accounts Receivable or related finance roles.
• Fluent Italian and English (B2 or higher), both written and spoken; additional European languages are a plus.
• Strong knowledge of credit assessment, financial statement analysis, credit limit management, collections, dispute handling and KPI reporting.
• Advanced Microsoft Excel skills (Pivot Tables, XLOOKUP, Power Query) and experience with Power BI for reporting and dashboards.
• Familiarity with Power Automate or other workflow automation tools is an advantage.
• Experience with SAP ERP (preferably FI-AR module).
• Knowledge of credit information and credit insurance providers such as CRIF, CRIBIS, Dun & Bradstreet, Coface or Euler Hermes.
• Strong analytical and problem-solving skills, attention to detail and the ability to manage multiple priorities.
• Excellent communication, stakeholder management and cross-functional collaboration skills; proactive mindset focused on continuous improvement.

What we offer

• Fixed-term contract of 12 months.
• Gross annual base salary between €35,000 and €38,000, depending on skills and experience.
• Free access to the company canteen and ticket restaurants when working remotely.
• A broad range of benefits for physical, financial, social and mental wellbeing and support for professional and personal development, including internal development programs.
• Inclusive hiring: applications from candidates belonging to protected categories are welcome in accordance with Law 68/99.
• We promote a workplace based on respect, trust and empathy, free from discrimination.

Benefits

• Company canteen access and ticket restaurants (also available for remote work in this offer).
• Wellbeing and development programs covering physical, financial, social and mental health.
• Professional development support and training opportunities.

Location: Pavia, PV, Italia.

Requisiti

Minimum 2 years of relevant experience; fluent Italian and English (B2+); advanced Excel and Power BI skills; experience with SAP FI-AR; familiarity with credit information/insurance providers; strong analytical and communication skills.