Senior Credit Manager | Trade Finance / Fintech | Milan Hybrid
About Trade Finance Plus
Trade Finance Plus is a growing fintech company based in Milan, focused on delivering innovative trade finance solutions for corporates and institutional partners.
Our platform supports digital receivables and payables financing programs through automated onboarding, invoice processing, credit monitoring, reporting, dashboards and portfolio controls. Trade Finance Plus works with institutional funding sources and credit insurance partners to provide scalable working\-capital solutions for mid\-market corporates.
The role
We are looking for a Senior Credit Manager to join our team and take responsibility for credit risk analysis, underwriting and monitoring of private companies involved in receivables and payables financing programs.
This is a senior, hands\-on role for a professional with strong experience in credit risk underwriting, financial analysis, private\-company credit assessment, credit rating, obligor risk and portfolio monitoring.
The successful candidate will work closely with management, operations, compliance, funders, insurers and clients to support sound credit decisions and scalable risk processes.
Key responsibilities
- Assess the creditworthiness of private companies, including buyers, sellers, obligors and corporate groups.
- Perform financial statement analysis, ratio analysis, cash\-flow review, sector analysis and business\-risk assessment.
- Prepare internal credit opinions, rating recommendations and underwriting memos.
- Support the definition of credit limits, eligibility criteria, concentration limits and risk mitigation measures.
- Review receivables/payables financing structures from a credit risk perspective.
- Monitor portfolio performance, payment behaviour, exposure levels, overdue positions and early\-warning indicators.
- Coordinate with credit insurers, institutional funders and other external stakeholders on credit matters.
- Support the development of internal credit policies, rating methodologies and underwriting standards.
- Work with operations and technology teams to improve automated credit monitoring, risk alerts and reporting.
- Contribute to the design of scalable credit processes for mid\-market trade finance programs.
- Degree in Finance, Economics, Accounting, Business Administration or related field.
- Minimum 5–7 years of relevant experience in credit risk, credit underwriting, corporate credit analysis, trade finance, factoring, receivables finance, insurance underwriting or similar roles.
- Strong experience analysing private companies, including companies with limited public information.
- Solid knowledge of financial statements, accounting principles, cash\-flow analysis and credit ratios.
- Experience preparing credit papers, internal ratings, limit proposals or underwriting recommendations.
- Good understanding of corporate risk, counterparty risk, payment risk and portfolio concentration.
- High level of accuracy, responsibility, judgment and analytical discipline.
- Excellent command of Excel and financial analysis tools.
- Professional command of English is mandatory.
- Italian is required.
- Spanish is a plus.
- Previous experience in banking, credit insurance, factoring, trade finance, receivables finance, supply chain finance, asset management or corporate lending.
- Experience with credit insurance processes, insured receivables, buyer limits or insurer credit opinions.
- Knowledge of credit rating methodologies for unrated/private companies.
- Experience working with mid\-market corporates, cross\-border transactions or multi\-jurisdictional portfolios.
- Familiarity with KYC/AML, compliance documentation and transaction due diligence.
- Comfortable working in a fintech or entrepreneurial environment.
The ideal candidate has worked in a bank, credit insurer, factoring company, trade finance provider, asset manager or corporate credit department, and is able to combine strong credit judgment with practical transaction execution.
We are looking for someone who can assess risk independently, explain credit decisions clearly, and help build institutional\-grade credit processes for a growing fintech platform.
What we offer
- Permanent contract — tempo indeterminato, or contractor basis
- Hybrid working model in Milan.
- Senior role with direct responsibility for credit decisions and risk processes.
- Opportunity to help build the credit infrastructure of a growing trade finance fintech.
- Exposure to receivables finance, payables finance, institutional funders and credit insurance partners.
- Dynamic, international and innovative environment.
- Professional growth in fintech, structure
Please send your updated CV via this platform or write to:
- info@tradefinanceplus.com
Retribuzione: a partire da €40\.000,00 all'anno
Sede di lavoro: Ibrido/da remoto (Milano, Lombardia)
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