CREDIT MANAGEMENT
Pubblicato il 22-10-2026 - Ariston Group in Fabriano
Job description:
CREDIT MANAGEMENT Department: Group Administration&Accounting;
Reports To: Group Credit Control
Location: Fabriano, Italy
Position Overview The role supports the Group Credit function in managing customer credit risk across assigned portfolios, with a focus on credit assessment, exposure management, and credit decision-making. The position is responsible for assessing customer financial creditworthiness, defining appropriate credit limits and payment terms, and managing complex or non-standard credit situations that require enhanced scrutiny or fall outside routine credit operations. The role makes credit decisions within delegated authority, balancing commercial requirements with credit risk and company policy, and contributes to continuous improvement initiatives aimed at strengthening credit processes, reporting, controls, standardization, automation, and operational efficiency.
Job Responsibilities Perform in-depth analysis of customer financial statements, including Balance Sheet, Profit & Loss and Cash Flow information, to evaluate creditworthiness, financial sustainability and capacity to support the requested exposure
Assess new customer credit risks and approve credit applications in line with company credit policies
Define, approve and periodically review credit limits and payment terms, ensuring alignment with customer risk profiles, business requirements and delegated thresholds
Evaluate complex or higher-risk customer accounts, including elevated exposures and non-standard risk profiles, and determine the appropriate credit decision
Approve or reject credit releases based on customer financial position, payment behaviour, current exposure and overall risk assessment
Partner with Sales and other relevant functions to balance commercial objectives and customer needs with the company's credit risk appetite and policies
Support the development and enhancement of credit reporting, controls and monitoring tools to improve visibility of customer exposure and emerging risks
Contribute to continuous improvement initiatives and data-driven analysis aimed at strengthening credit risk monitoring, decision-making, process standardization and operational efficiency
Ensure compliance with internal procedures, credit policies, delegated authorities and control requirements related to credit management activities.
Qualifications & Skills Bachelor's Degree in Economics, Finance, Accounting, Business Administration, or a related field
Minimum 3 years of experience in Credit Management, Credit Risk, Finance, or related functions within structured organizations
Practical experience in credit assessment, credit-limit management, exposure monitoring, and credit decision-making
Strong knowledge of financial statement analysis, including Balance Sheet, Profit & Loss, and Cash Flow Statement analysis
Experience with SAP HANA/ECC, particularly FI-CR and BI modules; knowledge of HighRadius solutions is considered a plus
Strong analytical and problem-solving skills, with the ability to evaluate complex financial information, identify risks, and make sound credit decisions
Strong communication and negotiation skills, with a customer-oriented approach and the ability to work effectively with commercial and cross-functional stakeholders
Proactive, accountable, and results-oriented attitude, with a forward-thinking approach to change, continuous improvement, and execution
Ability to work effectively within cross-functional and international environments
Basic level of English.
The compensation package will be determined based on the candidate's experience, skills and the scope of the role, applying objective and gender-neutral criteria. We believe that transparency and fairness are essential to building trust, fostering inclusion and ensuring equal opportunities for everyone. As a reference, for such position we offer a salary starting from 40.000 € gross per year, depending on the candidate's experience, skills and the scope of the role . This position is covered by the CCNL Metalmeccanici Industria.