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.

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
• Flexible working hours and individual remote work arrangement
• Remuneration and additional benefits: profit sharing, 13th salary, holiday pay, travel allowance, etc.
• Support in various life situations through the PME Family Service, offering professional advice on childcare, elder care and more.
• Accident insurance covering private accidents; company pension scheme contribution; Lifetime Account for sabbaticals or early retirement.
• Health benefits: subsidised membership with EGYM Wellpass, access to sports facilities, 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 opportunities within the company and at company events.
• Open corporate culture: a family-owned company with drive, tolerance, speak-up mentality, and strong team spirit on the path to a green future.
• Modern collaborative office with a subsidised employee restaurant, open-plan 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. You will take ownership of the company's credit risk framework and actively shape 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: Evaluate the creditworthiness of new and existing customers and determine appropriate credit limits.
• Define Credit Frameworks: Develop, implement and continuously refine credit policies and procedures in line with corporate strategy and risk appetite.
• Monitor Exposure & Payments: Track customer payment behaviour, identify risks early and initiate actions to manage delinquent accounts.
• Drive System Excellence: Work with Credit Risk Management systems and contribute to system enhancements and transformations.
• Partner with the Business: Collaborate closely with Sales, Trading and Customer Service to resolve credit issues and enable smooth business operations.
• Provide Insights: Prepare reporting and analysis for senior management to support decisions on credit risk and portfolio exposure.

What Helps You To Fulfil This Role

• Educational Background: Bachelor's or Master's degree in Finance, Business Administration, Economics or a related field.
• Relevant Experience: 5-10 years of experience in credit risk and/or trade finance, ideally in a commodities environment.
• Trade Finance Expertise: Experience with physical trading involving logistics operations and a solid understanding of trade finance instruments and credit insurance.
• Systems Experience: Hands-on experience with Credit Risk Management IT systems, ETRM systems (RightAngle) and accounting systems (SAP).
• Language: Fluency in both German and English.

With These Characteristics, You Fit Perfectly With Us

• System-Oriented & Analytical: Combine strong credit risk expertise with a high affinity for IT systems and data.
• Change-Oriented: Enjoy improving processes and driving system changes.
• Business-Minded: Balance risk awareness with commercial understanding.
• Communicative: Explain complex topics clearly to different stakeholders.
• Reliable & Responsible: 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.

We look forward to receiving your application, including your salary expectations and earliest possible starting date via the application form on our website.