Credit Analyst

At Air Products, our purpose is to bring people together to reimagine what’s possible, collaborate and innovate solutions to the world’s most significant energy and environmental sustainability challenges. Grow with us as we embark on building tomorrow together by being the safest, most diverse and most profitable industrial gas company in the world.

**Reimagine What’s Possible**

And at the **European Shared Services Center **based in Cornellà de Llobregat, with more than 300 employees, we support the group's various subsidiaries of all Europe and other regions. We have built an outstanding multicultural environment composed by employees of around 30 different nationalities.

We are looking for a **Credit Analyst **based in **Barcelona**.

This role provides primary financial analysis, risk assessment, and credit recommendations for new and existing customers, across various business areas in Europe.

You will work in a cross functional environment and be the primary credit interface with Business Area Sales Managers and Sales reps, Customer Service, Collections/Accounts Receivable, and Corporate Treasury.

You will engage in direct interactions with external customers relating to financial analysis matters and manage SAP blocked customer orders.

**As Credit Analyst, you will**:

- Conduct financial analysis and presents credit worthiness recommendations for new and/or existing clients, utilizing external Credit rating agencies, customer financials and internal data.
- Undertake regular reviews and analysis of the risk on the assigned account portfolios, highlighting bad debt exposure to OTC and Commercial management, and recommend measures to reduce risk.
- Work with the Business Area(s) to develop customer specific credit strategies.
- Build external customer relationships, where required.
- Regularly review of compliance to key processes and Credit Policy (GEP, Credit Granting, Workflow routing) and the identification of work process improvement opportunities (utilizing CI tools).
- Regularly review of the assigned portfolio to ensure that the credit limit, check rule, block reason, terms, risk labels and associated system flags reflect the current account status.

**You will have**:

- Fluent English and French; any other language is an advantage.
- Understanding of financial statements, industry trends, and external credit rating reports (would be considered and advantage).
- Previous Finance, Credit/Collections, or business/commercial experience.
- Proven ability to present concise recommendations to senior management and cross functional teams.
- University degree, preferably in a related field (Economics, Accounting & Finance, Commerce, Business Administration).
- SAP R/3, Business Warehouse experience (would be considered an advantage).
- Strong time-management, analysis, and prioritization skills.
- Proactive professional profile with strong teamwork skills.

**What we offer and what you get in return**:
We offer a competitive salary and benefits package, a culture of respect, challenge, and innovation - with excellent opportunities for growth and development. We care about work-life balance, so you will have the possibility to work from home 3 days a week.

Bring your possible and **grow with us** as we embark on **building tomorrow together** by being the safest, most diverse, and most profitable industrial gas company in the world.

**#LI-AD2**:
**#LI-Hybrid**:
We are the world’s largest hydrogen producer with over 80 years of industrial gas experience. We are hydrogen and industrial gas experts delivering safe, end-to-end solutions, investing in real, clean energy projects at scale, and driving the industry forward to generate a cleaner future.

At Air Products, we work in an environment where we put safety first, diversity is essential, inclusion is our culture, and each person knows they belong and matter. To learn more, visit About Air Products.