Credit Specialist

Role Overview

Employment

• The position is full-time.

Credit Assessment and Approval

• Assess customer creditworthiness using financial information, payment history, business background, and available credit information.
• Conduct credit checks, recommend credit limits and payment terms, and monitor credit exposure.
• Identify high-risk accounts and recommend security requirements, guarantees, deposits, or other risk controls.

Third-Party Financing

• Coordinate customer financing arrangements with banks, leasing companies, and other financial institutions.
• Submit financing documents and follow up on applications, approvals, documentation, and disbursements.
• Coordinate with Sales, Finance, customers, and financing institutions to resolve issues and meet financing conditions.
• Maintain records of financing applications, approval status, terms, disbursements, and correspondence.

Receivables and Collections

• Monitor outstanding receivables, prepare aging reports, and follow up on overdue invoices.
• Contact customers about outstanding balances and agree payment arrangements where necessary.
• Coordinate internally to resolve payment delays and escalate long-overdue or high-risk accounts.
• Support recovery of disputed and overdue amounts.

Credit Control and Reporting

• Review customer accounts for payment behavior and credit-risk changes, and recommend restrictions where appropriate.
• Maintain credit records, approvals, correspondence, payment arrangements, and collection documentation.
• Prepare reports on receivables, overdue balances, credit exposure, collection performance, and bad-debt risks.
• Assist with month-end and year-end receivables reporting and reconciliation activities.

Qualifications and Experience

• A bachelor’s degree in Finance, Accounting, Business Administration, Economics, or a related field is required.
• Three to five years of experience in credit control, credit analysis, accounts receivable, or collections is required.
• Professional certification in credit management, accounting, or finance is an advantage.
• Industry experience in trading, construction, heavy machinery, equipment, automotive, or B2B is preferred.
• UAE or GCC experience and experience with corporate customers or large-value credit facilities are preferred or advantageous.

Required Skills

• Strong credit analysis, risk assessment, negotiation, collection, communication, and numerical skills are required.
• Candidates must be able to analyze financial statements and customer payment behavior.
• Microsoft Excel and Microsoft Office proficiency are required.
• ERP or accounting-system experience is preferred.
• A UAE driving license is required.