Credit Manager (Saudi National Only)

JOB OVERVIEW 

The Credit Manager is responsible for overseeing the organization’s credit operations, ensuring effective credit control, timely collection of outstanding payments, and minimizing financial risk. The role involves evaluating customer creditworthiness, monitoring accounts receivable, maintaining strong client relationships, and ensuring compliance with company credit policies and financial procedures. The Credit Manager also supports cash flow management, prepares credit reports, and works closely with finance and sales teams to improve collection efficiency and maintain healthy financial performance. 

 

DUTIES AND RESPONSIBILITIES 

Oversee daily credit control and accounts receivable operations 

Evaluate customer credit applications and assess creditworthiness 

Approve or recommend credit limits based on financial analysis 

Monitor outstanding balances and ensure timely collections 

Follow up on overdue accounts and resolve payment issues 

Prepare aging reports, credit reports, and collection summaries 

Maintain accurate customer credit records and documentation 

Minimize bad debts and reduce financial risk to the organization 

Ensure compliance with company credit policies and procedures 

Coordinate with sales, finance, and customer service teams regarding account issues 

Negotiate payment plans and settlement arrangements when necessary 

Reconcile customer accounts and investigate discrepancies 

Support month-end closing and financial reporting activities 

Monitor cash flow related to receivables and collections 

Conduct regular reviews of customer accounts and credit limits 

Assist with audits and ensure proper internal controls are maintained 

Train and supervise credit and collection staff when applicable 

Build and maintain strong relationships with customers and stakeholders

QUALIFICATIONS DESIRED 

Bachelor’s degree in Accounting, Finance, Business Administration, or related field 

Professional certifications such as CPA, CMA, ACCA, or Credit Management certifications are an advantage 

Minimum 3–5 years of experience in credit control, accounts receivable, or finance management 

Strong knowledge of credit policies, collections, and financial analysis 

Understanding of accounting principles and financial reporting 

Experience with ERP and accounting systems such as SAP, Oracle NetSuite, or Microsoft Excel 

Knowledge of risk assessment and debt recovery procedures

SKILLS 

Credit analysis and risk management 

Accounts receivable and collection management 

Strong analytical and problem-solving skills 

Excellent negotiation and communication abilities 

Attention to detail and accuracy 

Financial reporting and reconciliation skills 

Time management and organizational skills 

Ability to work under pressure and meet deadlines 

Leadership and team supervision skills 

Customer relationship management 

Decision-making and conflict resolution abilities 

Strong understanding of cash flow management and internal controls