Senior Credit and Collections Analyst

Position Title: Global Senior Credit and Collections Analyst Territory: Global Department: Finance Based: Madrid, Spain   PRIMARY FUNCTIONS Credit & Collections: Coordinate, define and execute the Group’s credit and collections strategy, ensuring the protection of working capital, the optimization of cash flow, and the mitigation of credit risk across all geographies and business units, with a specific focus on EMEA and NAR markets Customer Relationship Management: Solve disputes or billing issues that may delay payment. Build and maintain positive relationships with clients while enforcing payment terms, escalate problematic accounts as needed Process improvement: Support the Sr Manager, Credit & Collections in various process improvement initiatives   QUALIFICATIONS Master’s degree in Finance, Accounting, or a related discipline Additional professional certification in process improvement or credit management would be a plus   EXPERIENCE AND SKILLS +5 years working in Credit & Collections in a multinational environment Strong ability to interpret complex financial data and translate findings into actionable insights for decision-making Awareness of international trade regulations, export controls, and geopolitical risk factors Solid experience in Trade finance tools (LCs, Guarantees, Performance bonds, factoring) Hands-on experience in billing processes and client portals would be a plus Proficiency in SAP ERP systems and Microsoft office applications Fluency in English Excellent communication and negotiation skills, with the ability to build and maintain relationships with diverse stakeholders Customer-focused mindset, with proven ability to manage both internal and external stakeholders with professionalism and care Detail-oriented, organized, and capable of managing multiple priorities effectively   FUNCTIONAL RESPONSIBILITIES Evaluate creditworthiness of potential and existing clients and assess their financial stability Control and enforce adherence to the credit policy. Make sure the payment terms are consistent and appropriate When required, support the Global Sr Manager Credit & Collections : Reporting, Credit Committees, management of high-risk accounts and complex disputes Review and manage Order releases Monitor and manage delinquencies reports and actions Work with Sales and Customer service to resolve collection issues Letters of credit review and approvals and follow-up in conjunction with treasury/Finance and banks Dispute resolution & timely collections Oversight of cash application OTHER TASKS Participate in credit projects and ad-hoc requests Offer guidance and advice to other team members Although risk management is the most important part of the role, ensuring the smooth functioning of the order cycle is a key accountability in terms of facilitating the business in the eyes of customers and the commercial department