Credit Manager (gn)

Location: Hybrid in Ratingen, NRW, Germany; full-time or part-time from a minimum of 30 hours per week.

Company

hirify.global is a European B2B platform for on-the-road payment solutions with approximately 2,700 employees serving customers in more than 50 countries.

What you will do

• Assess and monitor the creditworthiness of prospects and existing customers, including corporate credit and financial statement analysis.
• Perform credit checks, decide on credit and customer limits within delegated authority, and identify exposures and default risks.
• Monitor payment agreements, deadlines, and due dates; manage and realize collateral and handle related correspondence.
• Handle legal and insolvency cases and collaborate with trade credit insurers, lawyers, debt collection agencies, Sales, and Finance.
• Support the development of policies, rules, and decision-making logic in CAM / CAM Reversy, SAP, and BW.
• Contribute to projects, process optimization, digitalization, automation, and the use of AI in Credit Management.

Requirements

• Several years of professional experience in Credit Management, Credit Risk Management, or a comparable role.
• Solid experience analyzing corporate creditworthiness and financial statements.
• Experience making credit and limit decisions independently within delegated authority and assessing financial risks.
• Knowledge of receivables management, legal and insolvency cases, collateral, trade credit insurance, and risk mitigation mechanisms.
• Strong analytical thinking, decision-making, risk awareness, and a structured, solution-oriented approach in complex or time-critical situations.
• Strong communication and advisory skills, with confidence collaborating with Sales, Finance, and internal and external partners.
• Commercial vocational training with relevant further qualifications or a degree in business or economics.
• Very good German and good English language skills.

Nice to have

• Affinity with digitalization and technology, including openness to automation and AI-powered solutions.

Culture & Benefits

• Full-time or part-time employment with flexible working models and a minimum commitment of 30 hours per week.
• Balanced mix of on-site meetings and home office, with flexible and family-friendly working hours.
• Company health management, parent-child offices, and eBike leasing support through Jobrad.
• Modern learning environment available independently of time and location.
• Commitment to net-zero greenhouse gas emissions across the value chain by 2050.
• Inclusive workplace with recognition as Top Employer Germany and Great Place to Work.