Ideal Candidate
Requirements
- 5–10 years of experience in Credit Risk, preferably within commodity trading, energy, or banking.
- Strong knowledge of credit assessment, risk management and collections.
- Fluent English and experience working in an international environment.
- Strong business acumen with a proactive, solution-oriented mindset.
- Able to work effectively under pressure and manage multiple priorities.
- Analytical, detail-oriented and well-organized.
- Good knowledge of SAP and Advanced Excel; experience with Medissys and Power BI is an advantage.
Job Description
The role is responsible for credit process compliance and overall credit risk management across APAC and EMEA, managing a portfolio of approximately 300 customers and $400M in credit exposure.
Key responsibilities include credit risk assessment, exposure monitoring, collections, bad debt recovery, credit insurance and trade finance, while acting as a key business partner to Trading, Operations, Finance, Legal, banks and insurers.
Main Responsibilities
- Manage the credit portfolio for approximately 300 customers across APAC and EMEA, with a total credit exposure of around $400M.
- Perform credit risk assessments, approve credit limits and monitor customer exposure.
- Manage collections, overdue payments, bad debt recovery and support customer onboarding (KYC).
- Oversee credit insurance, trade finance activities and Accounts Receivable (AR) financing programs.
- Review commercial and legal contracts from a credit and risk perspective.
- Monitor trading and credit limits, ensuring compliance with internal policies.
- Prepare credit risk reports, presentations and recommendations for management.
- Partner closely with Trading, Operations, Finance, Legal, Treasury, banks, brokers and credit insurers.
- Coordinate credit committees, provide guidance to stakeholders and support risk-related decision making.
- Maintain customer data and credit limits in SAP and other internal systems (e.g. Medissys).
Perks
- Hybrid work (3 WFH days/week after onboarding)
- Medical insurance (MedLife)
- Life insurance
- Meal vouchers (40 RON/day)
- Transport allowance (metro equivalent)
- Parking (subject to availability)
- Employee share purchase program
- Bookster
- Birthday leave
- Fruits & office massage
- 21 vacation days, increasing up to 28
- Annual performance bonus
- Multicultural environment
Only eligible candidates will be contacted. All your data is confidential.
Company Description
HRS Romania is a workforce management solutions hub, home to Senior HR Consultants who always act as business improvement architects. Start-ups or corporations - we house all HR can offer under one roof, for businesses of any size.
Moving forward is impossible without the initial drive to do things differently and get results, not only words: our solutions' portfolio, flexibility and exceptional customer service enable us to build long-lasting relationships that delight our business partners. It’s safe to say we know our ways around the HR business and we can prove that we do our job better than most.
We foster a work environment based on respect, honesty and professional growth and we always strive to positively impact the communities we live, play, and do business in. People are the key element in our identity: we all love what we do & we want to do more of it.
We’re exactly what you see. Only now - bigger. And the best part is we bring new opportunities wherever we go.
