Finance Internship – Junior Credit Risk Management Internship en Dow

We are looking for you, an ambitious Finance student (m/f), to support our Credit Risk Management teams by doing an internship project in “Credit Risk Analysis and Working Capital Optimization” for our location in Terneuzen, the Netherlands.

Dow is offering great career opportunities in a global and international environment.
The departments that will welcome you are the Business Credit Teams for Packaging & Specialty Plastics and for Performance Monomers and Coatings.

Both Business Finance teams provide support in risk management and working capital optimization in their role as Finance co-pilot for business leadership. The teams consist of highly skilled professionals, working with state-of-the art processes and systems, and taking relevant social, political and economic developments into account in order to achieve an acceptable risk exposure and the most optimal outcome for our business.

Project description

The wide range of tasks and responsibilities that are part of an internship can be summarized as follows:

Perform Credit Risk Assessments by obtaining financial information from different possible sources, verifying the customers’ corporate structure and determining the optimal and acceptable credit limit levels in line with Dow’s Risk Assessment model. Prepare recommendations on credit decisions for the responsible Credit Managers. Update customer master set-up with credit limit and payment terms.

Interact with stakeholders (i.e. Dow's commercial organization, credit team members) on new or adjusted credit limit requests.

Review blocked orders due to insufficient credit limit or overdue invoices and propose possible actions to avoid order blocks.

Working Capital impact analysis for customer or account manager’s requests for new payment terms, adjustments of existing payment terms, or change of invoicing method (i.e. calculate impact on required Working Capital and determine financial cost).


  • You are currently studying for a bachelor’s or master's degree in Finance or Economics.
  • You have a good working knowledge of English. Additional European language skills are a plus.

You can spend a period of 2 to 6 months on the internship assignment (exact timing to be discussed).

Dow’s internships offer you the opportunity to:

  • Gain hands-on experience in financial analysis and credit risk analysis, state-of-the-art finance work processes, related I.T. systems and tools (SAP and other), reporting, communication, negotiation, commercial skills, building networks, etc.
  • Be a valued member of a dynamic your team and manage your desk and workload in line with the responsibilities you are given.
  • Explore Career Opportunities - by working in the field you have chosen, you will receive an inside look at your potential career path
  • Network - meet a variety of people in your chosen profession through your internship, allowing you to form relationships you can build on in the future

Application process

After we have received your application, please take into account that it will take a few weeks to go through every letter and CV received. If we want to learn more about your background and skills, we will be in touch with you.

Have we sparked your interest? Let’s continue the conversation! Apply and we’ll be in touch with you.

Extra sentences to spark your inspiration:

You will participate in training during the first week of your internship. This training program will expose you to our culture and provide you with a knowledge base to draw upon throughout the remainder of your internship and beyond.

Interns who successfully complete the program may be considered for full-time employment after graduation.

This is an exciting opportunity for anyone interested in pursuing a career in Finance in general (- especially Corporate Finance, Treasury, or Business Finance -), or even for a Commercial career.

The ideal candidate will possess the following skills: financial acumen, analytical mindset, entrepreneurial mindset and team player.

You will gain hand-on experience working in the field of credit risk and enterprise working capital management, Dow Finance work processes, supported by SAP.

You will be collaborating closely with other Finance and non-Finance departments (A/R Collection team, Customer Service, Commercial team, Business Finance…)

We are looking for action-oriented, enthusiastic team players to join our team.

An internship with us can show you the ‘ins-and-outs‘ of our industry !

During your assignment, you will both add value to our company and to yourself by developing as a Finance professional.

About Dow

Dow (NYSE: DOW) combines global breadth, asset integration and scale, focused innovation and leading business positions to achieve profitable growth. The Company’s ambition is to become the most innovative, customer centric, inclusive and sustainable materials science company. Dow’s portfolio of plastics, industrial intermediates, coatings and silicones businesses delivers a broad range of differentiated science-based products and solutions for its customers in high-growth market segments, such as packaging, infrastructure and consumer care. Dow operates 109 manufacturing sites in 31 countries and employs approximately 36,500 people. Dow delivered sales of approximately $43 billion in 2019. References to Dow or the Company mean Dow Inc. and its subsidiaries. For more information, please visit or follow @DowNewsroom on Twitter.