# Manager Credit & Trade Finance **Company:** [Envalior](http://jobs.workable.com/companies/nRix1hqigGWmSpy2hMPE2N.md) **Location:** Düsseldorf, Germany **Workplace:** hybrid **Department:** FINANCE [Apply for this job](http://jobs.workable.com/view/7848620e-b950-4171-8154-7aa88d42f052) ## Description As **Manager Credit & Trade Finance**, you will have full strategic and operational responsibility for Envalior’s global receivables risk management and trade finance activities. In this business-critical role, you will safeguard the company’s financial assets while enabling sustainable business growth by balancing commercial opportunities with effective risk management. You will lead a small team of specialists responsible for assessing customer creditworthiness, establishing risk-based credit control processes, and ensuring robust credit limit management across Envalior’s global customer portfolio. You will oversee the execution and optimization of trade finance solutions, including Letters of Credit, documentary collections, bank guarantees, factoring, credit insurance, and inventory financing, ensuring international transactions are securely and efficiently supported. In addition, you will drive the continuous improvement and digitalization of global credit and trade finance processes to strengthen liquidity, optimize working capital, and enhance operational efficiency. As a trusted business partner, you will collaborate closely with international Sales, Treasury, senior management, banking partners, credit insurers, factoring providers, and external advisors. You will also own global receivables reporting, monitor key performance indicators such as DSO, and ensure compliance with internal policies, regulatory requirements, and financing covenants, contributing directly to Envalior’s financial resilience and long-term success. ## Requirements - Bachelor's or Master's degree in Business Administration, Finance, International Business, or a related field; alternatively, a banking background with a relevant professional qualification. - 5–10 years of relevant professional experience in international credit risk management, trade finance, or corporate banking. - Proven hands-on experience with trade finance instruments (e.g., Letters of Credit, bank guarantees, documentary collections) and asset-based financing solutions such as factoring and inventory financing. - Experience in designing and implementing global credit control processes and managing customer credit risk in an international business environment. - Initial leadership experience or the ability to lead and develop a small team is an advantage. - Proficiency in SAP or other global ERP systems; experience with digital credit management, trade finance, or factoring platforms is highly desirable. - Strong analytical and commercial mindset with the ability to balance business growth and financial risk. - Business fluent in English and German (written and spoken); additional languages are an asset. - Excellent stakeholder management, communication, and influencing skills with the ability to build strong relationships across functions and with external partners. - Structured, proactive, and solution-oriented working style with a high level of ownership and a continuous improvement mindset. ## Benefits **WHY ENVALIOR?** **Competitive Compensation:** Join us at Envalior and enjoy competitive compensation packages, inclusive of a global bonus program and performance bonuses, ensuring your hard work is recognized and rewarded. **Comprehensive Benefits:** Your well-being matters to us. At Envalior, we provide an array of benefits supporting your financial security, health, and overall well-being. This includes retirement plans, health programs, life insurance, and comprehensive medical care. **Work-Life Balance & Flexibility:** Maintain a healthy balance between work and personal life with Envalior's commitment to supporting your schedule. **Training & Development Opportunities:** At Envalior, your growth matters. We encourage and invest in your professional and personal development. We support our employees in their growth and personal development through ongoing investment in their knowledge and skills via training, coaching, and mentoring. **Diversity & Inclusion:** At Envalior, our people drive our success, so it’s only right that we provide a diverse and inclusive working environment and foster a culture of belonging, openness, and respect. We value diversity as a cornerstone of our success. We are committed to nurturing and empowering every individual to reach their full potential. **APPLY NOW!** Ready to pioneer change with Envalior? Join us in our mission to drive innovation, sustainability, and excellence. Apply today and become a part of our transformative journey towards a more sustainable future. Submit your application online by sending your CV and motivation letter in English through our [career portal.](https://apply.workable.com/envalior/j/F72CC923FE/) If you have any questions, feel free to connect directly with our recruiter at sebastian.estrada.ext@envalior.com _Envalior is proud to be an Equal Employment Opportunity and Affirmative Action employer. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics._ If you need assistance or an accommodation due to a disability, you may contact us at Talent.Acquisition@Envalior.com. **OUR HERITAGE** With a combined heritage of over 100 years, Envalior brings together two established global materials players: DSM Engineering Materials and LANXESS High Performance Materials. Our unique combined portfolio of longstanding material-, application-, and design expertise enables our customers to develop and launch sustainable future-proof designs. Envalior is the brand new materials powerhouse that was Launched in early 2023.  We aim to be a global leader in sustainable and high-performance engineering materials. We imagine the future by shaping the world of today and tomorrow. We’re conscious that this is both a privilege and a responsibility – so, when we imagine the future, we’re guided by our key values to help us create a better world.