Credit Analyst

Role Summary

The Credit and Collection Analyst will be responsible for review client credit profiles to assess credit limits, risk levels, and payment terms.

Role Responsibility

➢ Review client credit profiles to assess credit limits, risk levels, and payment terms.

➢ Analyse Arabic credit reports, notarized contracts, and legal documents

➢ Monitor and track overdue accounts across assigned regions; implement collection strategies.

➢ Collaborate with Sales, Legal, and Finance teams to evaluate receivables risk and issue credit recommendations.

➢ Prepare and maintain reports on overdue accounts and high-risk clients.

➢ Support legal recovery efforts through promissory notes, notarization, and litigation when necessary.

➢ Conduct regular reassessments of client creditworthiness to ensure ongoing risk control.

➢ Regular Visit to customer sites to assess customer Credit Worthiness and collections and resolve disputes

➢ Send the required report to all stakeholders as per requirements. Work closely with internal departments, including Marketing, Operations, Parts, Service, HR, Finance, Warehouse, and Logistics, to ensure seamless coordination.

➢ Undertake additional job roll-related tasks as necessary to support the company's mission and operations.

➢ Carry out additional tasks as requested by management.

Key Performance

➢ Excellent negotiation and communication skills.

➢ Strong analytical and problem-solving abilities.

➢ Attention to detail and accuracy in financial reporting.

➢ Ability to work under pressure and manage multiple accounts effectively.

➢ Knowledge of local financial regulations and credit risk management best practices.

➢ Proactive and results-driven approach to debt recovery

➢ Reduction in overdue receivables and bad debt ratio.

➢ Timeliness and accuracy of credit risk assessments.

➢ Efficiency of collection processes and customer dispute resolution.

➢ Compliance with credit policies and financial regulations.

Experience & Background

➢ Bachelor’s degree or higher in Finance, Accounting, Risk Management, Law, or a related discipline.

➢ Solid understanding of corporate credit review procedures and financial statement analysis is mandatory.

➢ Familiarity with receivables collection processes, instalment contracts, and legal enforcement mechanisms.

➢ Strong communication and negotiation skills; ability to work under pressure.

➢ Proficiency in English and Arabic language is mandatory.