Credit Management Team Associate

About IDEMIA Secure Transactions

IDEMIA Secure Transactions, a division of IDEMIA Group, is the leading technology provider making it safer and easier to pay and connect. With unmatched expertise in cryptography and credential issuance, IST is trusted by over 2,000 financial institutions, mobile operators, automotive manufacturers, and IoT providers worldwide. Every day, IST secures billions of essential transactions, ensuring the highest levels of data protection and convenience.

Purpose

The Credit Management Specialist EMEA is responsible for securing cash collection, minimizing credit risk, and supporting sustainable business growth across the EMEA region. The role combines upstream credit control, operational cash collection, and close collaboration with Sales, Finance, and Accounting teams to ensure compliant customer quotations, optimized Order-to-Cash processes, and timely cash inflow.

Key Missions

Credit Risk Management

• Validate customer account creation and approve changes to existing customer master data
• Define, review, and secure customer credit limits based on customer risk assessments, financial analysis, and cash flow forecasts
• Monitor customer credit exposure and continuously analyze accounts receivable aging

Cash Collection & Accounting Coordination

• Implement and coordinate collection actions (phone calls, emails, dunning letters, and external collection agencies)
• Analyze the regional Order-to-Cash process and propose improvements to accelerate cash collection (e.g. ensuring invoices are properly received and accepted by customers)
• Check incoming payments on bank statements, identify customer payments, and ensure accurate cash application in coordination with Accounts Receivable teams
• Coordinate with local accounting teams on payment matching, reconciliations, and clearing requests

Invoicing

• Upload customer invoices on dedicated supplier platforms
• Guide billing teams according to entity-specific processes and ERP systems (Microsoft Dynamics AX and Syspro 8)

Reporting

• Prepare, produce, and analyze credit management and accounts receivable reports, ensuring data accuracy and consistency in financial tools
• Ensure alignment of internal stakeholders by sharing credit insights and defining action plans for overdue accounts

Profile & Other Information

Required Skills & Qualifications

• Good level of English (written and spoken)
• Strong proficiency in Excel
• Proactive, structured, and solution-oriented approach to cash collection
• Ability to work autonomously with strong initiative, organization, rigor, and attention to detail
• Strong communication, negotiation, and stakeholder management skills
• Problem-solving mindset with a continuous improvement attitude

Preferred Qualifications

• Previous experience in Finance, Credit Management, or Accounts Receivable
• Experience with ERP systems such as Microsoft Dynamics AX and Syspro 8

Additional Assets (preferable):

• French and/or Arabic language skills
• Experience with Excel Power Query

About IDEMIA Secure Transactions

IDEMIA Secure Transactions, a division of IDEMIA Group, is the leading technology provider making it safer and easier to pay and connect. With unmatched expertise in cryptography and credential issuance, IST is trusted by over 2,000 financial institutions, mobile operators, automotive manufacturers, and IoT providers worldwide. Every day, IST secures billions of essential transactions, ensuring the highest levels of data protection and convenience.