Credit Manager
منذ 5 ساعات
dubai, الإمارات العربية المتحدة
OmanYP
دوام كامل
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Our client is a well-established multinational organization operating within a highly regulated and fast-paced industry. The business has a strong regional footprint across the Middle East and is known for its commitment to operational excellence, robust governance standards, and long-term investment in talent and leadership capability.
- Lead and implement a regional credit management strategy aligned with business growth objectives and risk appetite
- Define, standardise, and maintain customer credit policies, approval frameworks, and governance standards across multiple markets
- Review and approve customer credit limits within delegated authority, escalating high-risk exposures with mitigation recommendations
- Monitor customer financial health, payment behaviour, concentration risk, and exposure trends across the portfolio
- Drive collections performance and DSO improvement across emerging markets
- Establish and track clear KPIs for collections teams and local finance functions
- Lead overdue debt recovery actions and manage escalation governance
- Partner with commercial leadership to resolve collection challenges while protecting cash flow and business interests
- Improve cash conversion cycles and overall working capital performance
- Oversee all customer-related banking instruments and trade finance mechanisms, including LCs, LGs, bank guarantees, documentary collections, and advance payment instruments
- Ensure robust controls over issuance, tracking, amendments, renewals, expiry management, and release of banking instruments
- Collaborate with treasury teams and banking partners to optimise trade finance processes
- Support contract reviews relating to payment terms and banking security clauses
- Establish and maintain strong credit governance, internal controls, and audit readiness across markets
- Drive standardisation and continuous improvement across order-to-cash and credit management processes
- Support automation, digitalisation, and ERP system enhancements related to credit and collections
- Act as a strategic business partner to commercial teams on payment terms, distributor risk, tenders, and major customer negotiations
- Deliver regular credit risk, working capital, and exposure reporting to regional leadership
- Coach and support local finance teams, building capability and consistency across markets
- Bachelor's degree in Finance, Accounting, Business Administration, or a related discipline
- 8 to 10 years of progressive experience in finance, with strong hands-on credit management leadership
- Regional or multi-country experience, ideally across emerging markets, Middle East, or Africa
- Proven experience within pharma, FMCG, healthcare, medical devices, or similar distribution-driven industries
- Solid experience in credit risk assessment, collections, working capital optimisation, and DSO improvement
- Strong ERP system exposure, with SAP experience highly preferred
- Ability to operate effectively in fast-paced, matrix, and cross-cultural environments