Credit Analyst

This is a 12-month Maternity Cover (Fixed-term Contract)

About Horseware:

Through It All, we are measured by the purest of passions: a love of horses. This unspoken bond guides everything we do. For over 40 years, this simple truth has been Horseware Ireland’s north star. It has helped us always deliver high-performance, beautiful, sustainable products that last.

In 1985, Horseware Ireland created our now iconic Rambo Original, sparking a design revolution that redefined innovation within the equine industry. The husband-and-wife team forged a path that would grow across geographies, span generations, and make Horseware Ireland the world’s leading equestrian brand in horse rugs and equine products, selling to over 70 countries worldwide and employing more than 500 people.

Today, more than ever, we continue to challenge what is possible and reimagine new ways of fulfilling our mission to improve life for you, your horse, and our planet.

Key Responsibilities

Accounts Receivable and Financial Administration

• Record, reconcile, and allocate incoming customer payments accurately and in a timely manner
• Investigate and resolve payment discrepancies, unallocated cash, and account reconciliation issues
• Perform regular customer account reconciliations to ensure the accuracy of financial records
• Assist with month-end reporting activities, account reconciliations, and financial audits
• Maintain complete, accurate, and well-documented financial records in accordance with company standards

Credit Risk Management and Credit Control

• Assess the creditworthiness of new and existing customers through the review of financial statements, commercial credit reports, payment performance, and other relevant risk indicators
• Continuously monitor customer accounts for signs of financial deterioration, elevated risk exposure, or potential default
• Maintain accurate bad debt provisions and make recommendations regarding doubtful debt reserves where necessary
• Monitor and analyse aged debtor reports to identify trends, payment issues, and collection priorities
• Investigate overdue accounts, resolve account queries, and support the timely collection of outstanding debts
• Escalate significant credit risks or potential financial exposures to management
• Ensure all credit activities are conducted in accordance with company policies, applicable regulations, and industry best practice

Trade Credit Insurance Management

• Submit and monitor credit limit applications, amendments, and renewals with insurers
• Review insurer decisions and ensure customer accounts operate within approved insured limits where applicable
• Monitor insured and uninsured exposures and provide recommendations on risk mitigation measures
• Ensure full compliance with trade credit insurance policy conditions, reporting obligations, and claims requirements
• Liaise with insurers regarding high-risk accounts, policy matters, claims activity, and credit limit decisions
• Support management with credit insurance reporting and exposure analysis

Stakeholder Engagement and Business Support

• Partner with sales and customer service teams to support business growth while maintaining appropriate credit controls
• Provide guidance and recommendations to internal stakeholders regarding customer credit risk and account management
• Manage daily banking transactions and bank reconciliations
• Assist in the preparation of monthly financial reports and management information
• Undertake ad hoc projects and responsibilities as required by management

Skills, Experience and Qualifications

Essential Requirements

• Proven experience in a Credit Analyst, Credit Control, Accounts Receivable, or similar finance-related role
• Demonstrable experience working with trade credit insurance providers, including credit limit management, policy compliance, and exposure monitoring
• Experience interpreting and analysing commercial credit reports from agencies such as Dun & Bradstreet, Experian, Creditsafe, or equivalent
• Strong analytical, problem-solving, and decision-making skills
• Excellent attention to detail and a high degree of accuracy
• Ability to manage multiple priorities and work effectively in a fast-paced environment
• Strong organisational, time management and negotiation skills
• Advanced proficiency in Microsoft Excel and Microsoft Office applications
• Experience working with ERP and financial management systems

Desirable Requirements

• Experience operating within an international or multinational business environment
• Knowledge of credit insurance providers such as Allianz Trade, Atradius, Coface, or similar organisations
• Experience working with Stripe, Realex, or other payment processing platforms

Summary of the Benefits:

• Competitive salary commensurate with role and experience.
• Hybrid working
• 25 days basic annual leave pro-rata
• Sick leave entitlement
• Free Onsite Parking
• Company pension scheme
• Healthcare
• Health screening
• Life Assurance
• Learning and Development opportunities
• EAP- Employee Assistance Programme
• Maternity, paternity, and adoptive leave
• Learning, education, and training support
• Discount on Horseware products

Please note that the benefits outlined are subject to change based on organization decision.

Horseware is committed to equal opportunity in the terms and conditions of employment for all employees and job applicants without regard to race, colour, religion, sex, sexual orientation, age, gender identity or gender expression, national origin, disability, neurodiversity, or any other protected classification by local laws.

Pay: €40,000.00-€45,000.00 per year

Application question(s):

• Do you have hands-on experience working with trade credit insurance providers, including managing credit limits and exposures?

Experience:

• Credit analysis: 2 years (required)

Work authorisation:

• Ireland (required)

Work Location: Hybrid remote in Swords, County Dublin