Francisco Jimena Aranda
Barcelona
Summary
Highly qualified and driven Credit Manager focused on minimizing risk and maximizing opportunities to achieve bank objectives in sales, customer growth, and bottom-line profitability. Detail-oriented professional skilled at analyzing lending activities in accordance with current regulations, standards, and market conditions. Over 10 years of financial industry expertise bringing a meticulous approach to credit management. Experienced in assessing creditworthiness and conducting thorough document reviews. Proficient in optimizing credit policies to balance profit and loss resulting in successful outcomes. Strong background in credit risk assessment, financial analysis, and team leadership. Utilizes strategic planning techniques to streamline credit processes and enhance overall performance. Track record includes implementing effective credit policies that drive company growth while maintaining compliance.
Overview
20
20
years of professional experience
Work History
Credit Manager
Jungheinrich de España Sau / Jungheinrich Fleet Services
01.2016 - Current
- Establish the country’s Credit Policy in accordance with the company’s credit policies and ensure compliance
- Grant credit to customers depending on solvency, transaction volume, and history
- Discussing / approving internal credit limits
- Approval of short-term rental contracts (less than one year) for Jungheinrich de España SAU
- Approval of long-term rental contracts (more than one year) for Jungheinrich Fleet Services and obtaining the necessary guarantees
- Optimize the O2C process to reduce overdue and DSO
- Monthly regional report on the status of accounts at closing
- Approve feasibility for new distributors and necessary guarantees
- Management of guarantees in possession
- Review granted credit limits to optimize coverage in case of policies and balance renewal costs
- Approve differences between the established payment method and the one requested by the customer or the Sales department
- Analyze final benefits to recommend the budget for upcoming operations
- Relationship with customers to obtain the necessary information for resolving credit issues and minimizing potential losses
- Negotiation between parties in cases where there is a conflict between the Sales Department and the customer’s Risk Limit
- Prepare trainings for greater efficiency in the collection team
- Implement KPIs to measure efficiency in the O2C process
- Analyze commercial conflicts that may impact overdue and propose actions to resolve these conflicts
- Manage major critical accounts for the company
- Responsible in the Credit and Collection department for all external and internal audit processes
- Report to our headquarters on common debtors in the organization
- Report on progress and history of clients with continuous debt
- Management of old debt recovery in active clients as well as monitoring accounts in legal and/or recovery processes through financing agreements
- Negotiation with clients before sending files to the insurer or initiating a legal process to reach an agreement
- Implementation in SAP FI-CO of the Credit Management, Collection Management, and Dispute Management modules
- Migration from SAP R/3 to SAP S/4 HANA
- Representation of the company in legal processes when required by the insurance company
Credit Manager
Whirlpool Iberia
01.2014 - 01.2016
- Establish a local Credit Policy accordingly with the group and ensure compliance
- Discussing / approving internal credit limits
- Discussing / approving deviations on established payment terms
- Managing Insurance Policies (Coface / Atradius)
- Review Credit Limits on the yearly basis to optimize the coverage / costs
- Analyze the revenue and expenditure trends in details to recommend appropriate budget levels and control expenditure
- Interface with customers to obtain needed information resolve credit issues and minimize potential loses
- Negotiations between parts in cases where there are conflicts between Sales Interest and Risk Acceptance
- Management of workout and recovery / oversight of legal and collection accounts
- Managing Key Accounts over 2M turnover
- Analyze / reduce general DSO
- Implement KPI to measure process efficiency
- Analyze when conflicts with Sales and Clients impact in the general overdue and take actions to resolve
- Responsible for giving all the necessary documentation in external and internal audit processes
- Writing debtor summaries for the organization and their affiliated subsidiaries
- Completing month end regional reports
- Creation of a work in progress report with full background and history for all persistent debtors
- Implementation in SAP FI-CO module Credit Management, Collection Management y Dispute Management
- Migration from Navision to Sap S/4 Hana
- Performing training for other staff members
- Company representation at small claims court
Credit Manager
G-Star Raw Denim SL
01.2005 - 01.2014
- Establish the country’s Credit Policy in accordance with the company’s credit policies and ensure compliance
- Management of Credit Insurance Companies (Coface / Atradius)
- Discussing / approving internal credit limits and payment methods
- Approve differences between the established payment method and the one requested by the customer or the Sales department
- Review granted credit limits to optimize coverage in case of policies and balance renewal costs
- Relationship with customers to obtain the necessary information for resolving credit issues and minimizing potential losses
- Grant credit to customers depending on solvency, transaction volume, and history
- Negotiation between parties in cases where there is a conflict between the Sales Department and the customer’s Risk Limit
- Analyze final benefits to recommend the budget for upcoming operations
- Management of old debt recovery in active clients as well as monitoring accounts in legal and/or recovery processes through financing agreements
- Key Account Management for all accounts with a turnover above 2M
- Optimize the O2C process to reduce overdue and DSO
- Implement KPIs to measure efficiency in the O2C process
- Report to our headquarters on common debtors in the organization
- Monthly regional report on the status of accounts at closing
- Report on progress and history of clients with continuous debt
- Update seasonal payment plans weekly in case of delays
- Analyze the feasibility of new franchise projects
- Updating with debt collectors on a weekly basis concerning outstanding debts and payment plans
- Writing debtor summaries for the organization and their affiliated subsidiaries
- Analyze the revenue and expenditure trends in details to recommend appropriate budget levels and control expenditure
- Analyze of viability of new Monobrand projects
- Completing month end regional reports
- Responsible in the Credit and Collection department for all external and internal audit processes
- Representation of the company in legal processes when required by the insurance
Education
Law studies -
ChapGpt Studies -
Dashboard studies -
Financial Analysis Studies -
Skills
- Expert in Office
- Specialist in SAP Mod Fi-Co / SD
- Credit risk management
- Implementation of ChatGPT and Copilot in finance for analysis, reports, and collection
- Client Relationship Management
- Risk Assessments
- Performance Improvements
- Risk Analysis
- Credit Scoring
- Cash Flow Management
Landline
933924487
Personal Information
Date of Birth: 02/15/75
Nif
53072593R
Languages
engl
Advanced (C1)
English
Portuguese
Upper intermediate (B2)
Catalan
Bilingual or Proficient (C2)
Spanish
Bilingual or Proficient (C2)
Timeline
Credit Manager
Jungheinrich de España Sau / Jungheinrich Fleet Services
01.2016 - Current
Credit Manager
Whirlpool Iberia
01.2014 - 01.2016
Credit Manager
G-Star Raw Denim SL
01.2005 - 01.2014
ChapGpt Studies -
Dashboard studies -
Financial Analysis Studies -
Law studies -
Similar Profiles
Tyson AfungiaTyson Afungia
National Distribution C(Spare Parts & Attachments) at Jungheinrich AustraliaNational Distribution C(Spare Parts & Attachments) at Jungheinrich Australia
Theventhran SandralanTheventhran Sandralan
Operator Trainer Cum Service Sales Representative at Jungheinrich Lift Truck Singapore Pte LtdOperator Trainer Cum Service Sales Representative at Jungheinrich Lift Truck Singapore Pte Ltd
EMMANUEL BARREEMMANUEL BARRE
TECHNICIEN DE MAINTENANCE ITINERANT DE MANUTENTION at JUNGHEINRICHTECHNICIEN DE MAINTENANCE ITINERANT DE MANUTENTION at JUNGHEINRICH
Teo Cheong ParkTeo Cheong Park
Volunteer at Cooperating VolunteersVolunteer at Cooperating Volunteers
Muhammad AFNAN ARSHAD NASREENMuhammad AFNAN ARSHAD NASREEN
Administrative Support Volunteer at Multigestion Mundial SLAdministrative Support Volunteer at Multigestion Mundial SL