Credit Risk Analyst
Desigual
Barcelona Spain
hace 6 días

You are authentic and different.

Us too.

You are looking for new challenges that motivate and invigorate you.

You want to be yourself but do things differently.

Learn something new every day and have contact with people all over the world.

You're very Desigual! Therefore, we invite you to change, grow and improve, and we will do it with you.

Our story explains who we are and what we do.

Desigual was born in Ibiza in 1984, the creative idea of Thomas Meyer, who is today our company’s President.

We define our unique, optimistic and colorful style, which celebrates difference.

This message transfers to our designs and also the way we work at our headquarters, located on the beach in Barcelona.

Our creations are inspired by the Mediterranean, the sun, the light and the will to live.

What moves us is offering our customers a positive experience with our product and our brand and to enjoy the moment.

Do you want to be part of this adventure?

Mission...

As part of our continuous improvement of processes and ways of working, we are looking for a Credit Risk Analyst to join the Credit Risk Department, reporting to the Credit Risk Team Leader.

As a Credit Risk Analyst you will...

  • Evaluate customer’s credit limit based on Company’s credit policies, including : Monitor customer’s scoring and credit relevant aspects Setup limits of credit for a predefined customer portfolio Setup seasonal payment terms Perform specific risk analysis for out-
  • of -policy customers Assess proper means to cover credit risk (documentary credit, guarantees, etc.)

  • Liaise with commercial department, including : Evaluation and eventual approval of payment plan proposals Review and validation of payment conditions change requests Negotiation of conditions with customers and contracts Credit master data maintenance in FSCM and FI-AR modules in SAP
  • Liaise with collection agencies in extrajudicial claim of past due invoices as well as judicial processes
  • Monthly reporting & controlling
  • Deviation analysis
  • Propose and control action plans
  • Calculate impacts in P&L
  • KPIs
  • Constant improvement and change management
  • Participate definition and review of credit policies
  • Involvement in developing a credit profile predictive model and credit prospective tools for the company’s Sales force
  • Adapt global standards to local market specifics
  • You are the perfect candidate if you have

  • 2-5 years’ experience in credit risk analysis
  • Experience in collections (extrajudicial and judicial)
  • University studies :
  • business administration, ADE

  • Deep understanding of Documentary Credit, payment methods and guarantees
  • Advanced level of Spanish and English.
  • Proficient excel skills
  • Knowledge of SAP
  • BO knowledge is a plus
  • Highly organized and analytical
  • Strong problem solving skills
  • Self-motivated with a hands on attitude
  • Clear concise communication
  • Flexible and adaptable
  • Fun & Profit :
  • An international company with a fun, hard working and dynamic atmosphere

  • Test & Learn :
  • Our work ethics involves trying out new things and don’t be afraid of making mistakes

  • Express Yourself and Creative Freedom :
  • Be yourself and let your creativity flow!

  • Caring POS :
  • Looking after our relationships with colleagues and putting all our love into what we do is the key to our success

  • Caring HQ :
  • Healthy lunch in our Canteen, sports club, free coffee, 50% discount, Flexible timetables and much more!

    We can’t wait to tell you more about our exciting plans!

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