At Dow, we believe in putting people first and we’re passionate about delivering integrity, respect and safety to our customers, our employees and the planet.  

Our people are at the heart of our solutions. They reflect the communities we live in and the world where we do business. Their diversity is our strength. We’re a community of relentless problem solvers that offers the daily opportunity to contribute with your perspective, transform industries and shape the future. Our purpose is simple - to deliver a sustainable future for the world through science and collaboration. If you’re looking for a challenge and meaningful role, you’re in the right place. 

Dow (NYSE: DOW) is one of the world’s leading materials science companies, serving customers in high-growth markets such as packaging, infrastructure, mobility and consumer applications. Our global breadth, asset integration and scale, focused innovation, leading business positions and commitment to sustainability enable us to achieve profitable growth and help deliver a sustainable future. We operate manufacturing sites in 30 countries and employ approximately 36,000 people. Dow delivered sales of approximately $43 billion in 2024. References to Dow or the Company mean Dow Inc. and its subsidiaries. ​​​​Learn more about us and our ambition to be the most innovative, customer-centric, inclusive and sustainable materials science company in the world by visiting www.dow.com.

About you and this role

We have a great opportunity in a global and international environment for a Credit Specialist to join our team located in Warsaw (Poland)!

In your role as Credit Specialist you are part of the credit department within the II&I Business Segment. This role will oversee the credit risk and trade accounts receivable of customers within one business portfolio.

You will be tasked with ensuring the proper implementation and oversight of Dow’s credit policy, optimizing the credit risk/business reward balance, protect and enhance the company’s cash flow, ensure prompt turnover of receivables, minimizes bad debt losses, contributes to long term customer satisfaction, and supports the company’s financial and business objectives including internal controls. This role is a good opportunity for someone with a financial or analytical mindset that is looking to enter Business Finance or expand their skillset in a technical risk role that is both business and customer facing, and will work assisting experienced credit professionals in daily job.

Responsibilities

• Provide overall responsibility, supervision, and management of credit risk portfolio of moderate size and/or complexity, consistent with Dow’s credit risk management strategy.
• Meet account receivable objectives and goals (i.e. DSO, Percent Current, Collections, etc.) and implement the credit strategy and action plans to anticipate business needs and credit requirements for the portfolio.
• Work closely with Commercial, Business and Finance partners to discuss and review credit requirements, status and action plans.
• Interpret internal and external business challenges to devise strategies to evaluate credit risk and establishes credit limits and payment terms to customers including the global coordination and implementation of corporate accounts.
• Implement credit risk mitigating structures/credit enhancements to support credit limits by using traditional credit risk management instruments (such as guarantees, collaterals, letter of credits, etc.) and other innovative techniques (such as credit derivatives, securitization of receivables, trade finance operations, etc.).
• Evaluate and determine the bad debt reserve requirements; coordinates Legal efforts/collections , and initiates requests for write off of doubtful accounts where needed.
• Supervise performance of routine collections and resolution of customer’s discrepancies (Payment Receipt and Handling Process) and takes the lead role and ownership where determined necessary by the risk assessment or during the routine collection stage at any time if deemed appropriate.
• Impact the achievement of customer and operational objectives by providing insightful differentiated financial services and consultation to these customers on complex issues, including financial support based on the customer’s risk assessment and business strategy.
• Lead projects with moderate resource requirements, risk, and complexity.

Qualifications

• Bachelor’s Degree in Business, Finance, Accounting or Related Discipline
• 4+ years of experience in Finance/Accounting
• Fluency in English is required, knowledge of any other language is beneficial

Your Skills

• Understanding of Financial Statement Analysis Skills - Ability to interpret balance sheets, income statements, and cash flow reports to assess a customer's financial health and creditworthiness. This helps in making informed decisions about credit limits and payment terms.
• Internal and External Negotiation Skills - Skilled in negotiating payment terms, credit structures, and dispute resolutions with both internal stakeholders (e.g., Commercial and Finance teams) and external customers to balance risk and business opportunity.
• Problem Solving Skills - Capable of identifying root causes of payment delays or discrepancies and implementing effective solutions that align with Dow’s credit policy and customer satisfaction goals.
• Analytical Mindset Skills - Strong ability to analyze complex data sets, trends, and risk indicators to support strategic credit decisions and optimize receivables management. Market/Economics Understanding Expertise - Awareness of macroeconomic factors and industry trends that may impact customer credit risk, enabling proactive adjustments to credit strategies.
• Collaboration Across Functions - Experience working cross-functionally with Commercial, Business, and Finance teams to align credit actions with broader business objectives and ensure cohesive customer management.
• SAP Skills (Desirable) - Familiarity with SAP systems for managing customer accounts, tracking receivables, and executing credit-related processes efficiently within Dow’s financial infrastructure.

Additional notes

There is no relocation supported for this role

Benefits – What Dow offers you 

We invest in you. 
 

Dow invests in total rewards programs to help you manage all aspects of you: your pay, your health, your life, your future, and your career. You bring your background, talent, and perspective to work every day. Dow rewards that commitment by investing in your total wellbeing.  

Here are just a few highlights of what you would be offered as a Dow employee: 

• Equitable and market-competitive base pay and bonus opportunity across our global markets, along with locally relevant incentives. 
• Benefits and programs to support your physical, mental, financial, and social well-being, to help you get the care you need...when you need it. 
• Competitive retirement program that may include company-provided benefits, savings opportunities, financial planning, and educational resources to help you achieve your long term financial-goals. 
  • Employee stock purchase programs (availability varies depending on location).
• Student Debt Retirement Savings Match Program (U.S. only).
  • Dow will take the value of monthly student debt payments and apply them as if they are contributions to the Employees’ Savings Plan (401(k)), helping employees reach the Company match.
• Robust medical and life insurance packages that offer a variety of coverage options to meet your individual needs. Travel insurance is also available in certain countries/locations.
• Opportunities to learn and grow through training and mentoring, work experiences, community involvement and team building. 
• Workplace culture empowering role-based flexibility to maximize personal productivity and balance personal needs. 
• Competitive yearly vacation allowance.
• Paid time off for new parents (birthing and non-birthing, including adoptive and foster parents).  
• Paid time off to care for family members who are sick or injured.  
• Paid time off to support volunteering and Employee Resource Group’s (ERG) participation. 
• Wellbeing Portal for all Dow employees, our one-stop shop to promote wellbeing, empowering employees to take ownership of their entire wellbeing journey.
• On-site fitness facilities to help stay healthy and active (availability varies depending on location).
• Employee discounts for online shopping, cinema tickets, gym memberships and more.
• Additionally, some of our locations might offer:
  • Transportation allowance (availability varies depending on location)
  • Meal subsidiaries/vouchers (availability varies depending on location)
  • Carbon-neutral transportation incentives e.g. bike to work (availability varies depending on location)

Join our team, we can make a difference together.

About Dow
Dow (NYSE: DOW) is one of the world’s leading materials science companies, serving customers in high-growth markets such as packaging, infrastructure, mobility and consumer applications. Our global breadth, asset integration and scale, focused innovation, leading business positions and commitment to sustainability enable us to achieve profitable growth and help deliver a sustainable future. We operate manufacturing sites in 30 countries and employ approximately 36,000 people. Dow delivered sales of approximately $43 billion in 2024. References to Dow or the Company mean Dow Inc. and its subsidiaries. ​​​​Learn more about us and our ambition to be the most innovative, customer-centric, inclusive and sustainable materials science company in the world by visiting www.dow.com.

As part of our dedication to inclusion, Dow is committed to equal opportunities in employment. We encourage every employee to bring their whole self to work each day to not only deliver more value, but also have a more fulfilling career. Further information regarding Dow's equal opportunities is available on www.dow.com.