Credit Manager – Pharma - Contract3 or 4 days in the office – MilanROLE PURPOSETo supervise and manage the company’s credit exposure, in line with both local and group-level financial strategies.MAIN RESPONSIBILITIESManage the entire credit lifecycle, from initial credit application assessment to ongoing account monitoring and collection activities;Assess customer creditworthiness and ratings to identify and mitigate potential payment risks, including limiting or halting product deliveries;Collaborate with the Sales department to contact delinquent customers and recover payments, while maintaining positive relationships;Address and resolve customer inquiries and disputes regarding invoices and payments, and when necessary, negotiate payment plans;Coordinate with external partners involved in judicial and extrajudicial debt collection procedures;Monitor and track all customer accounts, payments, and communications;Maintain accurate and up-to-date records and produce regular credit reports, including KPIs (e.g., DSO, aging, exposure);Oversee operational credit management tasks (order releases, factoring, bad debt reserves, credit notes);Maintain daily contact with the Corporate team to implement global credit management policies at country level and communicate local needs and critical issues.REQUIREMENTS7+ years of experience in credit managementPrevious experience in retail – preferably in the pharmaceutical sector – with exposure to international teamsStrong attention to detail and data integrityAbility to communicate effectively and build positive relationships with both internal and external stakeholdersExcellent problem-solving and negotiation skillsAbility to manage workload peaks and prioritize effectivelyProficiency in tools such as SAP and advanced ExcelFluency in English