Job Description

We are looking for a Senior Credit Officer with strong financial insight, who enjoys taking responsibility and combines deep credit expertise with coordination, stakeholder management and project‑based work.

As Senior Credit Officer, you take the lead over the portfolios managed by the other Credit Officers and are personally responsible for the strategically important portfolios of service stations and transport companies. You control financial risk, support commercial growth within clear credit frameworks and ensure an efficient end‑to‑end credit process.

Your responsibilities

Credit analysis & risk management

• Independently manage the portfolio of service stations and transport customers.

• Set and review credit limits for customers and prospects based on financial analysis (solvency, liquidity, profitability), with decision authority up to €125,000.

• Hold final responsibility for the credit portfolios managed by the two other Credit Officers in BELUX.

• Monitor bank guarantees and other securities.

• Monitor orders and consumption; block orders and cards when necessary.

Credit & accounts receivable management

• Manage and follow up customer accounts.

• Actively follow up outstanding invoices and payments.

• Contact customers regarding overdue balances and work towards sustainable solutions.

• Monitor DSO, overdue positions and risks, and escalate when needed.

• Support and coach other Credit Officers in complex cases.

Coordination & collaboration

• Provide functional coordination and follow‑up of the shared service center (portfolios < €25,000).

• Ensure clear agreements, quality follow‑up and continuous optimisation of the collaboration with the SSC.

• Work closely with Sales, Finance, Legal and other internal stakeholders.

• Participate in and lead credit meetings with commercial teams and other involved parties.

Projects & process optimisation

• Take ownership and actively contribute to Credit & Finance projects, including the migration from SAP to JDE.

• Identify and implement improvements in credit processes, reporting and risk management.

• Act as the point of contact within Credit for system‑ and process‑related questions.

Why you make the difference

As a Senior Credit Officer, you take ownership of strategic portfolios and key credit decisions. With your expertise, overview and decision‑making skills, you directly contribute to sound risk management and efficient collaboration across BELUX.

Your profile

• You hold a master’s degree in a financial discipline (e.g. Business Engineering, Economics, Business Management).

• You have 3 to 5 years of relevant experience in credit management, credit control or risk management.

• You have experience managing complex and/or strategic customer portfolios.

• Experience with SAP and/or JDE is a strong asset.

• You work in an analytical, structured and accurate way and easily take ownership.

• You are decisive, assertive and able to balance commercial interests with financial discipline.

• You are proactive, solution‑oriented and resilient under pressure.

• You communicate fluently and professionally in Dutch, French and English.

Who we are

You will join an international, multicultural environment where collaboration, innovation and quality are key. You will have the opportunity to make an impact on the future of mobility and retail in the Benelux and Europe.

Circle K Belgium is a joint venture with TotalEnergies and market leader with more than 550 service stations in Belgium. Circle K Belgium is part of Alimentation Couche‑Tard, a global leader in the convenience sector. With over 17,000 stores across 29 countries, we serve more than 69 million customers every day. In total, more than 145,000 people work in our stores and service offices. It is a dynamic workplace offering many exciting opportunities.

Our people are at the heart of our organization and are trusted to take ownership. We believe that talented people who are empowered to do what they do best create winning teams. In return for your commitment, we offer an inspiring and flexible work environment with strong development potential and many career opportunities.

Our vision: to be the world’s preferred destination for people on the move.
Our mission: to make our customers’ lives a little easier every day.