Credit Specialist in GCC Bucharest

What you do

• Perform end-to-end credit risk analysis and underwriting activities, ensuring consistent and high-quality risk decisions within agreed service levels and business guidelines;
• Assess and manage complex credit limit requests, buyer reassessments, grading activities and portfolio monitoring tasks with a high level of autonomy, across both Credit Underwriting and Credit Assessment processes;
• Apply strong financial analysis skills to evaluate company performance, management strategy, sector evolution, market positioning and risk exposure using both quantitative and qualitative information;
• Take ownership of hybrid workflows by combining underwriting expertise with advanced assessment capabilities in order to ensure a consistent client impact and harmonized risk approach;
• Collaborate closely with Policy Management, Claims, Collections, Sales and other business units to ensure efficient risk management and customer servicing;
• Provide guidance, coaching and knowledge sharing within the team, supporting cross-training and hybrid setup initiatives and operational best practices;
• Participate in process improvement, automation and optimization initiatives related to portfolio management, grading, workflow allocation and productivity enhancement.

What you bring 

• High-level assessment expertise, including strong financial statement interpretation, grading logic understanding and analytical decision-making capabilities;
• Ability to manage hybrid end-to-end risk activities with a strong understanding of both underwriting principles and assessment methodologies;
• Advanced analytical thinking and ability to take decisions in complex or sensitive situations with limited supervision in a dynamic operational environment;
• Strong business and commercial awareness combined with sound risk judgment;
• Excellent communication and stakeholder management skills;
• Ability to work efficiently under pressure, manage high volumes and prioritize activities effectively;
• Strong collaboration mindset with the ability to work independently while supporting team objectives;
• Exposure to underwriting activities would be considered an advantage and can facilitate a smoother onboarding into the role.
• Very good knowledge of MS Office tools, especially Excel;
• English advanced level required; German is a plus;
• Interest in process optimization, digitalization and automation initiatives.
• We are seeking innovative thinkers with a strong understanding of artificial intelligence and its applications to join our dynamic team.

What We offer

• Dynamic and multinational working environment.
• Opportunity to learn and grow- on the job as well as language or professional training.
• Open company culture, flexible working hours / possibility of working from home.
• A wide range of employee benefits - meal vouchers, gift vouchers, performance bonus, public transportation allowance, extra personal days, premium health insurance, fruit day, discounts on Allianz products, etc.
• Full time permanent contract.
• Modern and accessible offices.

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99554 | Underwriting | Professional | Non-Executive | Allianz Trade | Full-Time | Permanent

Headquartered in Paris, Allianz Trade is the global leader in trade credit insurance and a recognized specialist in the areas of surety, collections, structured trade credit and political risk, present in over 40 countries with 5,800 employees. In 2024, our revenues reached 3.8 billion euros, and we guaranteed 1,400 billion euros of trade transactions worldwide. With sustainability, collaboration, and inclusion at the heart of our values, our workplace culture has earned global recognition — demonstrated by our certification as a Great Place to Work and a Gold Medal from EcoVadis in 2025.​ Disclaimer: Allianz Trade is the trademark used to designate a range of services provided by Euler Hermes.