Credit Officer

Job Summary

The Credit Officer supports credit management operations by maintaining accurate customer records, processing credit applications, and ensuring compliance with approved credit policies. This role works closely with the Credit & Collection Team Leader to manage customer accounts and provide operational and administrative support for credit and collection activities. The Credit Officer also collaborates with Finance Business Partners to align credit processes with business unit objectives and support healthy cash flow.

Key Responsibilities:

Credit Management Support

• Review and process credit applications, ensuring all required documentation is complete, accurate, and compliant with policy.
• Maintain up-to-date customer credit profiles, including credit terms, limits, and payment history, within ERP and credit management systems.
• Prepare credit analysis summaries and supporting reports for review by the Credit & Collection Team Leader.
• Monitor customer credit limits and proactively flag potential breaches or credit risks.

Customer Account Administration

• Manage and update customer account information with a high level of accuracy in ERP and credit systems.
• Perform regular customer account reconciliations and coordinate with internal stakeholders to resolve discrepancies.
• Prepare and issue customer statements, payment reminders, and other related correspondence as required.

Collections Coordination

• Track payment schedules, generate overdue reports, and follow up with customers in line with agreed instructions and procedures.
• Work closely with Credit Officers and internal teams to support timely resolution of overdue accounts and disputes.
• Maintain complete and well-documented records of all collection activities for reporting and audit purposes.

Collaboration with Finance Business Partners (FBPs)

• Provide accurate and timely credit-related data to support financial planning and decision-making.
• Coordinate with Finance Business Partners to address credit-related concerns and align credit terms with business unit requirements.
• Support the preparation of credit and collections reports, including key metrics and customer payment trends, for business unit reviews.

Compliance, Reporting & Documentation

• Ensure all credit and collection activities comply with company policies, internal controls, and regulatory requirements.
• Generate regular reports on credit limits, outstanding balances, and customer payment performance.
• Maintain organized and accurate documentation for customer accounts, credit applications, and payment agreements to support audit readiness.

Other Responsibilities

• Perform additional tasks and responsibilities as assigned, in line with business needs and priorities.

Qualifications & Experience

• Bachelor’s degree in Finance, Accounting, or a related field.
• 2–4 years of experience in credit and collections, accounts receivable, or a similar finance role.
• Proficiency in ERP systems (D365 preferred), MS Excel, and credit management software.
• Fluency in Arabic; proficiency in English is an advantage.