The Credit Manager will be responsible for overseeing the company’s credit operations, including credit risk assessment, credit control, and portfolio management. This role requires a strategic and analytical professional with solid experience in both credit risk and credit control, strong process optimization skills, and the ability to manage diverse stakeholders effectively.
Fluency in Arabic and English is essential due to the regional scope of the role and frequent interaction with clients, partners, and regulators.

Key Responsibilities

• Lead and manage the end-to-end credit function, covering credit risk assessment, credit approval, monitoring, and collection processes.
• Develop, implement, and maintain credit policies, procedures, and frameworks that align with regulatory standards and business objectives.
• Monitor and control the company’s credit exposure to ensure optimal risk-return balance and adherence to credit limits.
• Oversee the credit control process to ensure timely collection, minimize bad debts, and improve cash flow performance.
• Analyze financial statements, customer data, and market trends to assess creditworthiness and recommend appropriate risk mitigation strategies.
• Drive process optimization initiatives to enhance operational efficiency, decision-making speed, and data accuracy within the credit function.
• Collaborate closely with key stakeholders including sales, operations, finance, and compliance to ensure alignment of credit policies with business goals.
• Prepare and present comprehensive reports on credit portfolio performance, delinquency trends, and risk exposure to senior management.
• Mentor and develop the credit team, fostering a culture of accountability, collaboration, and continuous improvement.