Credit Management Expert

4 days ago

Dubai, Dubai, United Arab Emirates Daikin Middle East and Africa Full time
Accountabilities

This role involves being accountable for maintaining accurate and up-to-date records of customer credit information, ensuring that all documentation is compliant with regulatory requirements.

The ideal candidate will perform comprehensive credit evaluations for existing and potential customers, incorporating Letter of Credit (LC) options to enhance financial security where applicable.

Credit Application and Approval Process

The successful candidate will process customer credit applications, ensuring they align with corporate standards and that all requirements are met.

They will review financial statements and approve credit lines, backing up all accounts with detailed records and compliance documentation.

Additionally, the candidate will provide guidance to internal and external stakeholders on credit-related queries and requirements, facilitating clear understanding of terms and compliance expectations.

Banking and Credit Insurance Coordination

The ideal candidate will work independently with banks, credit insurance companies, and credit rating agencies to secure and optimize insurance, ensuring maximum protection against credit risks.

They will liaise with banks to troubleshoot any issues in LC processing, from document discrepancies to payment schedules, ensuring smooth transactions and timely collections.

Furthermore, the candidate will support credit insurance and coverage processes, managing portfolios under insurance policies to mitigate risks and manage exposure to potential bad debts.

They will engage directly with clients to clarify queries, address account issues, and ensure compliance with contractual obligations to reduce risks of bad debt.

Finally, the candidate will arrange regular client meetings to resolve any account-related issues, fostering proactive account management and strong client relationships.

Compliance and Documentation Control

The successful candidate will maintain up-to-date and complete documents to support SOX compliance, ensuring all documents are readily accessible for audits or credit reviews.

They will perform periodic compliance checks to meet internal audit requirements and suggest improvement areas.

Forecasting and KPI Reporting

The ideal candidate will prepare and present cash forecasts and customer collection schedules, collaborating with sales teams to align on outstanding accounts and receivables status.

They will track, report, and present on performance metrics within monthly and annual KPIs for the affiliate organization, ensuring compliance with corporate credit control standards.

Expertise in Letters of Credit (LCs)

The successful candidate will oversee and manage all aspects of Letters of Credit, including Standby LCs and individual LCs, to ensure accurate documentation and compliance with financial regulations.

They will prepare and verify all required LC documentation, coordinating closely with internal teams and clients to ensure accuracy and adherence to contract terms.

Furthermore, the candidate will maintain in-depth knowledge of Incoterms to effectively structure LC agreements, minimizing risk and ensuring compliance with international trade standards.

They will act as the primary point of contact for banks on all LC-related matters, facilitating timely issuance, amendments, and payments.

LC Transaction Compliance and Reporting

The ideal candidate will develop and implement tracking mechanisms to monitor the status of LCs across the portfolio, identifying any risks or delays in payments or documentation requirements.

They will prepare detailed LC reports as needed, presenting updates on transaction status, any exceptions or delays, and insights into potential risk areas.

Finally, the candidate will conduct regular reviews of LC terms and associated costs to optimize the credit management system's efficiency and cost-effectiveness.

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