Credit Manager

منذ 4 ساعات

dubai, الإمارات العربية المتحدة OmanYP دوام كامل

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