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 effectsActivitiesWork with Sales reps to analyze the payment behavior of customers, average daily consumption, late payments, …Make Sales aware of issues related to customer creditWith the MD, determine credit limits (DMA) in amounts and terms, in accordance with procedures and delegations2. Analyze the solvency of customer companiesFor specific clients or Big Fish analyze the balance sheets and P&L statements of customers to identify weaknesses which could lead to payment issuesConduct financial scoring analyses, external with organizations and internal, by determining the risk class of customers3. Reminder policyAnalyze DSO history by customer typeAdapt 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 contract4. Management of receivablesMonitor accounts receivable by customers and by sales, regularly informing customers about failure to respect limitsWith the MD and sales, analyze disputes and customers in defaultWith the accounting-financial department, analyze customer accounts and accounting errors in posting paymentsPunctually negotiate with customers to implement any necessary guarantees (Bank guarantee, deposits)5. Contribution to Credit CommitteesParticipation in weekly meetings of the Credit Committee to analyze past due accounts, blocked customers, payment plans, and to decide RMA / DMA modificationsParticipation in quarterly meetings of the Credit Committee to analyze the evolution of KPIsPreparation of detailed information intended for the Credit Committee for Europe on the largest customers / Groups6. Assistance to sales representativesCommunicate with sales representatives on credit management issues and help with sales developmentEnsure proper application of the credit policy7. Relations with external service providers, particularly with insurersOn a local level, manage relations with credit insurers and declarations of unrecoverable receivables within contractual time framesManage relationships with banks for management of liquidities and requests for bank guarantees8. Management of disputesPrepare file for litigation in consultation with the insurerMonitor judicial procedures, with assistance from lawyers and / or litigation management firm / / Submission for judicial recovery of receivables by bailiffLead 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 ProfileFinancial 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 roleExperience automating processes for effective data management that help rapid risk detection and decision makingAbility to negotiate and open-mindedness to be able to arbitrate customer disputesSense of organization for legal procedures and for respect for deadlinesRigor in dealing with figuresAnalytical mindset, strong organizational skills, high level of commitment and sense of responsibility for tasks assignedGood knowledge of Spanish and English (for a daily conversational purpose required). French is a plusAdditional InformationTotalEnergies values diversity, promotes individual growth and offers equal opportunity careers.
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