Context & Environment

AS24 Spain is an affiliate of AS24 SAS France who itself is an affiliate of TotalEnergies. The company is based in a market with high value creation potential. The environment is highly competitive, volatile, requiring rapid reactions and solid control of financial risks. Permanent contact with all other 28 AS24 affiliates in Europe, complex spectrum of international differences in legislation, continuous changes in markets and regulatory environment. Complexity of an AS24 business model in which each subsidiary is interdependent on all the others creating synergies and network effects

Activities

1. Customer credit policy • Work with Sales reps to analyze the payment behavior of customers, average daily consumption, late payments, ... • Make Sales aware of issues related to customer credit • With the MD, determine credit limits (DMA) in amounts and terms, in accordance with procedures and delegations

2. Analyze the solvency of customer companies • For specific clients or Big Fish analyze the balance sheets and P&L statements of customers to identify weaknesses which could lead to payment issues • Conduct financial scoring analyses, external with organizations and internal, by determining the risk class of customers

3. Reminder policy • Analyze DSO history by customer type • Adapt reminders according to customer type (telephone calls, e-mails, and regular text messages) • Implement the collection procedure for unpaid invoices as specified in the insurance contract

4. Management of receivables • Monitor accounts receivable by customers and by sales, regularly informing customers about failure to respect limits • With the MD and sales, analyze disputes and customers in default • With the accounting-financial department, analyze customer accounts and accounting errors in posting payments • Punctually negotiate with customers to implement any necessary guarantees (Bank guarantee, deposits)

5. Contribution to Credit Committees • Participation in weekly meetings of the Credit Committee to analyze past due accounts, blocked customers, payment plans, and to decide RMA / DMA modifications • Participation in quarterly meetings of the Credit Committee to analyze the evolution of KPIs • Preparation of detailed information intended for the Credit Committee for Europe on the largest customers/Groups

6. Assistance to sales representatives • Communicate with sales representatives on credit management issues and help with sales development • Ensure proper application of the credit policy

7. Relations with external service providers, particularly with insurers • On a local level, manage relations with credit insurers and declarations of unrecoverable receivables within contractual time frames • Manage relationships with banks for management of liquidities and requests for bank guarantees

8. Management of disputes • Prepare file for litigation in consultation with the insurer • Monitor judicial procedures, with assistance from lawyers and/or litigation management firm // Submission for judicial recovery of receivables by bailiff

9. Digital transformation • Lead initiatives for digital transformation within the credit risk management process, leveraging technology to enhance data analysis and reporting. • Implement tools for automated risk assessment, payment tracking and reporting.

Candidate Profile

Financial degree or at least equivalent (master's in finance and economics) • A minimum of 5 years of experience in credit analysis or related roles is necessary, with at least 2 of them in a managerial role • Experience automating processes for effective data management that help rapid risk detection and decision making • Ability to negotiate and open-mindedness to be able to arbitrate customer disputes • Sense of organization for legal procedures and for respect for deadlines • Rigor in dealing with figures • Analytical mindset, strong organizational skills, high level of commitment and sense of responsibility for tasks assigned • Good knowledge of Spanish and English (for a daily conversational purpose required). French is a plus

Additional Information

TotalEnergies values diversity, promotes individual growth and offers equal opportunity careers.

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