Credit Manager
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Key skills for this role
Role Overview
Lead credit-risk assessment, customer credit approvals, credit-limit management, exposure monitoring, and credit-control activities.
Balance commercial opportunities with acceptable financial risk while protecting cash flow and supporting sustainable revenue growth.
Work in a fully remote environment with Credit, Collections, Accounts Receivable, Finance, Sales, Legal, Risk, Customer Service, and Commercial Operations.
Key Skills for This Role
Full Job Posting
Role Overview
Lead credit-risk assessment, customer credit approvals, credit-limit management, exposure monitoring, and credit-control activities.
Balance commercial opportunities with acceptable financial risk while protecting cash flow and supporting sustainable revenue growth.
Work in a fully remote environment with Credit, Collections, Accounts Receivable, Finance, Sales, Legal, Risk, Customer Service, and Commercial Operations.
Credit Assessment and Approvals
- Develop credit policies, procedures, standards, approval frameworks, and customer-specific risk-assessment methodologies.
- Review and approve customer credit applications within delegated authority.
- Establish credit limits, payment terms, security requirements, and other credit conditions.
- Assess financial statements, management accounts, cash flow, payment history, credit reports, trade references, liquidity, leverage, profitability, and financial strength.
- Escalate higher-risk or high-value decisions exceeding delegated authority.
Portfolio and Exposure Management
- Review existing customer credit limits through scheduled and event-driven reviews.
- Adjust limits and payment terms based on customer risk, payment behavior, business volume, and financial condition.
- Monitor exposure against approved limits and identify customers approaching or exceeding limits.
- Manage credit holds, temporary increases, overrides, exceptions, and approval documentation.
- Monitor portfolio exposure by customer, industry, geography, business unit, sales channel, and risk category.
Risk Monitoring and Mitigation
- Monitor overdue balances, delinquency trends, broken payment commitments, recovery performance, and external risk indicators.
- Maintain customer risk profiles, ratings, early-warning signals, and risk-based review frequencies.
- Recommend reduced limits, shorter terms, deposits, guarantees, collateral, advance payments, or other risk mitigations.
- Coordinate with Collections on high-risk and severely delinquent accounts and recommend escalation strategies.
- Assess disputes affecting credit exposure and distinguish commercial disputes from credit-risk concerns.
Cross-Functional and Recovery Support
- Advise Sales and Commercial teams on credit implications and participate in negotiations involving terms, guarantees, and limits.
- Work with Billing, Accounts Receivable, Sales, Customer Service, and Legal to resolve payment issues.
- Coordinate with Legal on defaults, contractual protections, guarantees, security, and recovery actions.
- Support bad-debt provisioning, expected-credit-loss assessments, write-offs, and monitoring of credit losses.
Reporting and Controls
- Establish credit-risk reporting and dashboards covering exposure, available capacity, overdue receivables, high-risk accounts, and concentration risk.
- Prepare monthly, quarterly, and annual credit-risk reports for senior management and relevant committees.
- Track credit-policy compliance, exception activity, credit controls, review completion, and portfolio risk trends.
- Conduct periodic reviews of credit processes and customer portfolios and recommend control improvements.
Required Profile
- Experience in credit management, credit analysis, credit control, accounts receivable, corporate finance, banking, or financial risk.
- Strong credit-risk assessment, financial analysis, credit-limit management, receivables, collections, and Excel capabilities.
- Ability to work effectively with Sales, Finance, Collections, Legal, Risk, and senior management.
- Relevant degree in Finance, Accounting, Economics, Business Administration, Banking, Risk Management, or a related discipline.
Advantageous Qualifications
- Knowledge of credit insurance, guarantees, letters of credit, or other credit-security mechanisms is advantageous.
- Experience with credit-scoring models or risk-rating methodologies is advantageous.
- Knowledge of expected-credit-loss principles and relevant accounting requirements is advantageous.
- Familiarity with Power BI, Tableau, SQL, Python, or credit-risk analytics platforms is advantageous.
- Experience with UAE or GCC credit markets and commercial practices is highly desirable.
- Professional qualifications such as ACCA, CIMA, CPA, CFA, FRM, or relevant credit-management certifications are advantageous.
- Arabic language proficiency is advantageous.
Performance Measures
Performance measures include credit-loss ratio, bad-debt ratio, expected-credit-loss accuracy, overdue receivables, DSO, credit-limit utilization, and exposure concentration.
Additional measures include default rate, approval turnaround, review completion, policy compliance, exception rate, limit-breach rate, risk-rating accuracy, recovery rate, write-off rate, dispute exposure, and mitigation coverage.
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