Credit Manager – Debt Recovery & Cash Flow Management

The Position

We are seeking a Credit Manager specialized in debt recovery to join our Administrative–Finance department.

The selected candidate will manage the entire credit portfolio, with the goal of minimizing the risk of unpaid accounts, reducing Days Sales Outstanding (DSO), and optimizing the effectiveness of recovery actions to ensure the company’s financial stability.

Main Responsibilities
• Credit portfolio management
Continuous monitoring of customer credit exposure (wholesale, franchise, Large-Scale Retail) to promptly identify risk positions and overdue accounts.

• Definition of recovery strategies
From handling early‑stage delinquencies to supporting the most complex legal procedures.

• B2B negotiations with clients
Independent management of repayment plans, renegotiations, and tailored agreements with stores and distributors.

• Internal collaboration
Alignment with the sales department on credit policies and order blocks, while preserving customer relationships.

• Coordination with external partners
Liaison with recovery agencies, law firms, and collection partners, monitoring costs and the effectiveness of judicial and extrajudicial actions.

• Reporting and analysis
Preparation of periodic reports on portfolio status, recovery rates, DSO trends, and risk levels for the Finance Department.

• Customer financial statement analysis
Assessment of clients’ economic and financial soundness to support credit decisions.

• Credit limit assignment
Definition and management of credit limits based on customer risk profiles.

• Knowledge of legal procedures
Strong understanding of judicial and extrajudicial phases of credit recovery.

• Contribution to process automation
Collaboration in implementing automated solutions to streamline and accelerate workflows.

• Management of record layouts for bulk ERP imports
Extraction and transformation of commercial data for large‑scale system population.

Candidate Profile
• Education
Degree in Economics, Finance, or related fields.

• Experience
At least 5 years in similar credit recovery roles.

• Technical skills
• Judicial and extrajudicial debt recovery procedures • Civil law regulations (injunctions, payment orders) • Strong command of Excel and management software • Good knowledge of English

Soft Skills
• Negotiation and persuasion, balancing firmness and diplomacy • Stress resilience and ability to manage conflict situations • Data analysis and targeted problem solving • Autonomy, proactivity, and priority management • Precision, organization, and results orientation

What We Offer
• A central role in a long‑established and stable company (active since 1956) • A professional and reliable work environment • Continuous training and development • Compensation aligned with experience

If you meet these requirements, please send us your CV and a brief cover letter.