Senior Credit Risk Manager (m/f/d)

MB Energy , founded in 1947 and headquartered in Hamburg, is an independent and integrated energy company with operations in Europe, the United States, and Singapore. The company is active in the import, storage, distribution, and marketing of petroleum products, liquefied petroleum gas (LPG), chemicals, and biofuels. With decades of industry experience and an innovative approach, MB Energy plays an active role in the global energy landscape, supporting its customers in the transition to lower-emission energy sources by developing and providing forward-looking alternatives. Let’s shape the future of the energy industry together! For our company headquarters in Hamburg's HafenCity , we are looking for you to start as soon as possible as Senior Credit Risk Manager (m/w/d) Our offer to you: Work-life balance : 38.75 working hours per week with 30 days annual leave Ability to work freely : flexible working hours and individual remote work arrangement Remuneration and additional benefits: Profit sharing, 13 salaries, holiday pay, travel allowance, etc Support in various life situations: through our partner PME Family Service, offering support in life crises as well as professional advice on work-related and personal matters, such as childcare, elder care, and more Security and provisions: accident insurance also covering private accidents; excellent employer's contribution to your company pension scheme; Lifetime Account with opportunities to save for sabbaticals or early retirement Health: Subsidized membership with EGYM Wellpass, providing access to a wide range of sports facilities across Germany, as well as online courses in fitness, nutrition and meditation; free access to the Headspace app; bicycle leasing Learning & Development : support on your individual development path with internal and external training opportunities Networking: Networks within the company to establish cross-team and international connections, as well as company events Open corporate culture: at heart, a family-owned company with drive, a culture of lived tolerance, speak-up mentality and strong team spirit on the path to a green future Modern collaborative office: with a subsidized employee restaurant, open-plan office concept and views of the Elbe River and the harbour Here’s what you can look forward to: As Senior Credit Risk Manager (m/w/d) , you will act as a key interface between Trading, Sales, Finance, Operations and IT, taking ownership of the company’s credit risk framework and actively shaping how credit risk is assessed, managed and embedded across the organization. The role goes far beyond classical credit assessment and offers a strong focus on systems, data and transformation. You will contribute to the continuous development of tools, processes and reporting structures to enable a scalable, transparent and future-proof credit risk function. In this position, you play a central role in safeguarding the company’s financial stability while supporting commercial growth in a dynamic and international commodities environment. Your tasks in a nutshell: Assess Creditworthiness: You evaluate the creditworthiness of new and existing customers and determine appropriate credit limits. Define Credit Frameworks: You develop, implement and continuously refine credit policies and procedures in line with corporate strategy and risk appetite. Monitor Exposure & Payments: You track customer payment behavior, identify risks early and initiate actions to manage delinquent accounts. Drive System Excellence: You actively work with Credit Risk Management systems and contribute to system enhancements and transformations. Partner with the Business: You collaborate closely with Sales, Trading and Customer Service to resolve credit issues and enable smooth business operations. Provide Insights: You prepare reporting and analysis for senior management to support decisions on credit risk and portfolio exposure. What helps you to fulfill this role: Educational Background: You did a Bachelor’s or Master’s degree in Finance, Business Administration, Economics or a related field. Relevant Experience: You have 5–10 years of experience in credit risk and/or trade finance, ideally in a commodities environment. Trade Finance Expertise: You have experience with physical trading involving logistics operations and a solid understanding of trade finance instruments and credit insurance. Systems Experience: You have Hands-on experience with Credit Risk Management IT systems and with ETRM systems (RightAngle) and accounting systems (SAP). Language : You are fluent in both German and English. With these characteristics, you fit perfectly with us: System-Oriented & Analytical: You combine strong credit risk expertise with a high affinity for IT systems and data. Change-Oriented: You enjoy improving processes and driving system changes. Business-Minded: You balance risk awareness with commercial understanding. Communicative: You can explain complex topics clearly to different stakeholders. Reliable & Responsible: You handle sensitive topics with integrity and professionalism. Even if you do not fulfil all of the above requirements, we encourage you to apply if you believe your experience will add value to our team. You feel this could be a match? We look forward to receiving your application, including your salary expectations and earliest possible starting date via the application form on our website. If you have any questions, please contact our Talent Acquisition Team at the following email address: [email protected] . #OurEnergyYourWay Learn more about our mission, vision and values: MB Energy - Our purpose, mission, vision & values