Credit Manager | Al-Futtaim Automotive | BYD | KSA

Overview

Credit Risk Management

• Review and approve customer credit applications.
• Assess creditworthiness using financial statements and credit reports.
• Set and manage credit limits aligned with risk appetite.
• Ensure compliance with credit policies and procedures.

Accounts Receivable & Collections Oversight

• Monitor accounts receivable aging and overdue balances.
• Oversee collection processes and escalation strategies.
• Support resolution of high-risk or complex cases.
• Drive improvements in collection efficiency.

Policy & Governance

• Establish and enforce credit policies and procedures.
• Ensure adherence to internal controls and risk frameworks.
• Continuously review and enhance credit processes.

Stakeholder Management

• Work closely with Sales to balance revenue growth and risk exposure.
• Partner with Finance and Operations on credit-related matters.
• Provide guidance on credit decisions and risk mitigation.

Reporting & Insights

• Prepare credit risk reports and dashboards for senior management.
• Track KPIs such as DSO, overdue balances, and bad debts.
• Provide insights and recommendations to improve cash flow.

Team Leadership

• Lead and support collections and credit teams.
• Set targets and monitor team performance.
• Coach and develop team members.

Required Skills to Be Successful

• Strong understanding of credit risk and financial analysis
• Leadership and team management skills
• Strong negotiation and decision-making ability
• Excellent communication and stakeholder management
• Analytical thinking and attention to detail
• Ability to balance risk and business growth

What Qualifies You for the Role

• Bachelor’s degree in Finance, Accounting, or related field
• 5–8 years of experience in credit management or AR
• Strong experience in collections and receivables
• Experience leading teams
• Knowledge of ERP systems (e.g., SAP) and credit tools
• Strong understanding of financial statements