credit and collection manager

CMA CGM

ID: 573880
 
Location: 
Abu Dhabi, AE
 
Credit Management Manager
 
Led by Rodolphe Saadé, the CMA CGM Group, a global leader in shipping and logistics, serves more than 420 ports around the world on five continents. With its subsidiary CEVA Logistics, a world leader in logistics, and its air freight division CMA CGM AIR CARGO, the CMA CGM Group is continually innovating to offer its customers a complete and increasingly efficient range of new shipping, land, air and logistics solutions.
 
Committed to the energy transition in shipping, and a pioneer in the use of alternative fuels, the CMA CGM Group has set a target to become Net Zero Carbon by 2050.
 Through the CMA CGM Foundation, the Group acts in humanitarian crises that require an emergency response by mobilizing the Group’s shipping and logistics expertise to bring humanitarian supplies around the world.
 
Present in 160 countries through its network of more than 400 offices and 750 warehouses, the Group employs more than 155,000 people worldwide, including 4,000 in Marseilles where its head office is located.
 
MISSION AND RESPONSABILITIES
 
As Credit Manager in the Dubai Regional office, your role is to set and monitor collection objectives for the Group's agencies/subsidiaries.
 
You control the formalization of reporting concerning the level of performance of current customer management (performance indicators such as delay, DSO, etc.). You are in charge of ensuring Portfolio’s DSO and overdue ratio remain respectively below 30 days and 15%.
 
You liaise with Regional Credit Managers, Global Accounts and Customer service teams on Global Accounts’ collection matters and identify / anticipate potential risks of credit losses and ensure that corrective actions are implemented.
 
You ensure the optimization of information media and communication with other relevant directorates and departments (risk level, disputes, blocking and unblocking, etc.).
 
In coordination with Financial Control, as well as D&D Departments, you ensure aging balances’ tidiness by following up on write-off and D&D discounts’ processes.
 
You are also in charge of the follow up on D&D collection, approval of the D&D proposed Benchmark, and within authority Matrix D&D waivers. You supervise the D&D filling within LARA, Company Website and FMC.
 
You ensure suspension rules are enforced.
 
You review, approve, or recommend credit terms according to group’s Approval Matrix.
 
You visit key and/or problematic accounts along with the commercial team.
 
As a manager, you are also responsible of the coordination and management of your team.
 
SKILLS AND QUALIFICATIONS
 
Minimum 5 years work experience in collection, agency finance or control function with a good knowledge of the business.
 
Team player
 
Ability to partner with agencies’ GM and CFOs to set collection objectives and limits
 
Extensive knowledge of all aspect of Collections analytics and operations
 
Demonstrate capability to follow legal action with in-house and external legal counsels
 
Autonomous and able to work with overseas stakeholder (Regional teammates, Service Canters etc.)
 
Proactive and comfortable making decisions under high pressure
 
Leadership & Strong communication skills.
 
Detail oriented and maintains the highest productivity and quality levels
 
Come along on CMA CGM’s adventure !

Credit Management Manager

Trane Technologies

<div><div><div>At Trane TechnologiesTM and through our businesses including Trane&reg; and Thermo King&reg;, we create innovative climate solutions for buildings, homes, and transportation that challenge what&rsquo;s possible for a sustainable world. We're a team that dares to look at the world's challenges and see impactful possibilities. We believe in a better future when we uplift others and enable our people to thrive at work and at home. We boldly go. 
 
Job Summary： 
Trane in Saudi Arabia is hiring a Credit &amp; Collection Officer that will manage an Accounts Receivable portfolio for Trane Technologies operations in the Middle East &amp; Africa, including the related credit and collection activities in order to minimize credit risk while maximizing cash performance.</div>
The role includes credit investigation &amp; assessment, credit hold management &amp; order release; collections follow up &amp; escalation; query &amp; dispute resolution; customer visits; escalation to collection agencies and legal counsel; liaison with commercial, finance &amp; reporting teams; compliance activities.
The portfolio is Trane Saudi Arabia: sales from local offices across the country, including Trade Finance activities. 
Responsibilities:<ul><li>
Gather necessary information for credit assessment and payment terms approval; support the regional manager with decisions about credit risk &amp; cash flow.</li><li>
Support credit assessment of new and existing customers and approve credit limits in line with Limits of Authority assigned to the role.</li><li>
Provide information on credit checking and order holds and releases on timely basis. Notify manager of significant issues impacting collection of outstanding receivables</li><li>
Responsible for the collection and the maintenance of account receivables with particular attention to Trade Finance requirements: review &amp; validate payment instruments such as Letters of Credit, Promissory Notes, monitor &amp; escalate risk of discrepancies, gather &amp; present documents, prepare specific Trade Finance reporting.</li><li>
Follow &amp; optimize collection protocol for the portfolio: monthly statement of account, pre-calling record customer feedback, register promise to pay, follow up on tasks and broken promises, send dunning letters, arrange customer visits, escalate to manager and to commercial team, etc.</li><li>
Ensure funds are correctly applied to the relevant customer account and invoices; keep unapplied cash to the minimum. Support the cash application team as and when needed.</li><li>
Prepare reports as per monthly schedule and on ad hoc basis for the credit and financial functions</li><li>
Expedite resolution of customer disputes &amp; queries by linking with Sales/Order Management/Warranty as required.</li><li>
Informing management regarding effectiveness of strategies for various accounts.</li><li>
Promote a culture of continuous process improvement and collaborate actively internal stakeholders.</li><li>
Support the Credit Centre of Excellence for major credit reviews for all customers whenever required.</li><li>
Ensure compliance with Corporate and Local credit policies and other compliance requirements such as Trade Compliance, Sarbanes Oxley, etc.</li></ul> 
Qualifications:<ul><li>
University Degree in Business, Finance, Accounting or similar field.</li><li>
 Minimum 3-year experience in Credit &amp; Collection or similar role</li><li>
Good understanding of commercial credit and collection practices and knowledge of financial analysis.</li><li>
Strong proficiency in Microsoft Excel &amp; Outlook</li><li>
Hands-on work experience in credit and collection, preferably with an experience from a manufacturing, contracting or construction background with good reconciliations skills.</li><li>
Experience of working on Letters of Credit and Promissory Notes</li><li>
Good accounting background &amp; financial knowledge in order to drive account reconciliation during the customer visits, helping boost up collections.</li><li>
 Good ERP knowledge with excellent MS office skills</li><li>
Good communication (verbal/written) skills &amp; good negotiation skills - articulate &amp; confident enough to push back customers raising in genuine disputes.</li><li> 
Saudi National is a must. 
 
Key Competencies: 
 
We offer competitive compensation and comprehensive benefits and programs. We are an equal opportunity employer; all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, pregnancy, age, marital status, disability, status as a protected veteran, or any legally protected status.</li></ul></div></div>

Credit & Collection Officer - Riyadh

<div><div><div>If you are a current DSV employee and interested in a position in another country, please contact your Human Resource representative to discuss the process and requirements of applying.
</div></div><div><div><div><div>Job Req Number: 108633 
Time Type: Full Time 
The DSV group, headquartered in Denmark, is one of the biggest transport and logistics companies in the world, with more than 160,000 dedicated employees and presence in 90 countries. 


The Supervisor Credit Control is responsible for overseeing the credit control team, ensuring timely collection of outstanding debts, and maintaining healthy cash flow. It is essential to manage customer accounts, proactively resolve disputes, and implement credit control policies. You will coordinate the debts of our existing customers by collecting the overdue amounts, escalate internally and externally, decide whether to allow credit to a debtor and resolving non-paid invoices. Ensure payment is received promptly and efficiently. Credit Controller role is critical position that directly contributes to an organization&rsquo;s liquidity. 


Reporting Line:
Report to: Assistant Manager - Credit Control Dubai

Role: Individual contributor

Direct subordinates: None 


Detailed Responsibilities:
<ul><li>Supervise and lead a team of credit control officers</li>
<li>Monitor and manage customer accounts, ensuring timely payments , follow up overdue invoices by telephone, email &amp; letter within agreed timescales.</li>
<li>Handle disputed Invoices and negotiate to bring payment within the agreed terms.</li>
<li>Respond promptly and completely to both client and internal enquiries about errors in Invoicing ,payments, SOA and thus ensure customers to pay on time.</li>
<li>Keep close liaison between the Customer and the sales/Customer service department/ Operations so that credit issues are resolved smoothly.</li>
<li>Maintain accurate records of all payment follow up activities.</li>
<li>Regularly contacting customers to ensure all relevant debts are managed as necessary.</li>
<li>Checking customer's credit situation and Setting up the terms and conditions of the receivable balances. Conduct credit checks and risk assessments on new customers</li>
<li>Ensuring for credit and collection policies and procedures are followed as per the DSV guidelines.</li>
<li>Follow the DSV dunning procedures closely whenever a customer defaults the credit agreement.</li>
<li>Evaluate the Credit limit weekly and update the revised limits based on evaluation and approval.</li>
<li>Review the validity of the legal documents such as trade license and tax certificates and request for the renewed licenses as and when they expire.</li>
<li>Monitoring closely the customer outstanding balances to ensure a reduction in DSO.</li>
<li>Reconcile the account balances every month and prepare the debtors ageing for the monthly reporting.</li>
<li>Review the Bad debt details and prepare bad debt provision for the monthly financial reporting.</li>
<li>Review and prepare Credit Insurance overview at the month end and prepare the necessary credit documents such as CAF forms if required and signed off by Management.</li>
<li>Propose write off of irrecoverable receivables or recommend for legal actions.</li>
<li>Providing ad-hoc reports as and when requested by management.</li>
<li>Meet weekly and Monthly KPI's set.</li>
<li>Providing ad-hoc reports as and when requested by management.</li></ul> 


Qualifications &amp; Characteristics:
<ul>
<li>4-6 years&rsquo; Experience as a Credit Controller</li>
<li>Experience in handling strategic accounts</li>
<li>Strong leadership and verbal/written communication skills</li>
<li>Analytical and problem-solving skills</li>
<li>Transport and Logistics Experience would be beneficial</li>
<li>High standard of accuracy and attention to detail</li>
<li>Teamwork and flexibility is an important aspect of the role</li>
<li>Strong organizational skills</li>
<li>Customer focused</li></ul> 
DSV &ndash; Global transport and logistics

Working at DSV means playing in a different league.

As a global leader in transport and logistics, we have been on an extraordinary journey of growth. Let&rsquo;s grow together as we continue to innovate, digitalise and build on our achievements.

With close to 150,000 colleagues in over 90 countries, we work every day to offer solid services and meet our customers&rsquo; needs and help them achieve their goals. We know that the best way to achieve this is by bringing in new talent, fresh perspectives and ambitious individuals like you.

At DSV, performance is in our DNA. We don&rsquo;t just work &ndash; we aim to shape the future of logistics. This ambition fuels a dynamic environment built on collaboration with world-class team players, accountability and action. We value inclusivity, embrace different cultures and respect the dignity and rights of every individual. If you want to make an impact, be trusted by customers and grow your career in a forward-thinking company &ndash; this is the place to be.

Start here. Go anywhere

Visit dsv.com</div></div></div></div></div>

Supervisor, Credit Controller

First Abu Dhabi Bank (FAB)

<div>
 Conduct detailed credit assessment and preparation of credit appraisal memos seeking approval for financing against residential and commercial real estate. The key purpose is to determine whether the borrower is eligible for financing and the requested credit facility is in line with the bank&rsquo;s risk appetite and Target Market Risk Acceptance Criteria (TM-RAC).
 
 
 
 Key Accountabilities
 
 
 
 <ul>
 <li>
 Review, analyse &amp; assess loan proposals keeping in mind the approved credit policies, procedures and market dynamics to produce high quality of credit assessment memos for underwriting purposes.
 </li>
 <li>
 Approve credit requests in line with any delegated credit authority, where allowed.
 </li>
 <li>
 Manage the allocated portfolio of clients in terms of timely annual reviews, monitoring delinquencies, early warnings, adherence to covenants, documentary deferrals etc and actively engage with the respective business counterparts on regular basis to address any credit related issues for the allocated portfolio.
 </li>
 <li>
 Given the High Networth and sensitive nature of the clientele, actively engage with the senior business counterparts (Area Managers/Executive Directors etc) to ensure that the proposed facility is adequately structured to meet the clients&rsquo; expectations within the bank&rsquo;s underwriting standards.
 </li>
 <li>
 Accompany the business counterparts to client meetings and to develop better understanding of the client and the proposed credit facility.
 </li>
 <li>
 Adhere to &amp; comply with departmental policies, standard operating procedures and practices so that the work is carried out in a smooth &amp; methodical manner.
 </li>
 <li>
 Exhibit consistency with organization&rsquo;s values and ethics at all times to demonstrate a value driven culture within the bank.
 </li>
 <li>
 Contribute towards continuous improvement and sustainability of policies, systems, process and methods in line with changing needs and requirements so as to efficiently carry out the duties.
 </li>
 <li>
 Have in-depth understanding of regulatory and internal bank policies.
 </li>
 <li>
 Exhibits good communication &amp; writing skills when preparing &amp; submitting credit proposals to approving authorities within the Bank.
 </li>
 <li>
 Guide and train a small team of credit analysts for credit underwriting.
 
 
 </li>
 </ul>
 
 Job Responsibilities
 
 
 
 <ul>
 <li>
 Analyse Client&rsquo;s audited financial statements/bank statements/Rental Roll Reports/ Collateral Details etc, look into client&rsquo;s credit history/credit reports/ system checks to meet bank&rsquo;s lending standards.
 </li>
 <li>
 In depth analysis of borrower&rsquo;s financial ratios like profitability, solvency, cashflow, debt service coverage ratios etc in order to ensure error free underwriting and ensuring that the borrower has sufficient repayment capacity to repay the proposed loan facilities.
 </li>
 <li>
 Review &amp; analyse re-structuring requests from the existing loan customers and recommend in line with the bank&rsquo;s policy/TM-RAC.
 </li>
 <li>
 To work out the credit risk rating and check RAROC of the customer as per the bank&rsquo;s portals.
 </li>
 <li>
 Ensure completeness &amp; accuracy of documentation submitted with the credit request in order to avoid fraud and/or delinquency in the future.
 </li>
 <li>
 To review the excess rental release request of the clients after reviewing the rental register and rental collection account.
 </li>
 <li>
 To work in co-ordination with other stakeholders such as Credit Administration, Collections, Operations etc and take up with business in case of non-compliance of terms and conditions.
 </li>
 <li>
 Review/Approve deferral or waiver requests given by the existing customers and recommend the same keeping in mind the credit risk involved.
 </li>
 <li>
 Approve and/or process the loan applications and service requests efficiently and within the agreed SLAs.
 </li>
 <li>
 Ensure completion and maintenance of the required departmental MIS as required on ongoing basis.
 </li>
 <li>
 Ensure that all the approved loans and proposal related documents are complete and stored in the common folder/system to safeguard any missing or misplaced documents.
 </li>
 <li>
 To be able to work in pressure conditions without compromising on the credit underwriting quality.
 </li>
 <li>
 To perform any additional Job-Related tasks/projects as and when assigned by Line Manager.
 
 
 </li>
 </ul>
 
 Qualification
 
 
 
 <ul>
 <li>
 Minimum Education required: Minimum Bachelor&rsquo;s degree preferably in Finance/Banking/ Commerce.
 
 
 </li>
 </ul>
 
 Experience
 
 
 
 <ul>
 <li>
 Minimum 10 years in Credit and/or Banking experience.
 </li>
 </ul>
</div>

AVP & Lead, Credit Management

Marriott International

<div>Additional Information 
Job Number26019004 
Job CategoryFinance &amp; Accounting 
LocationSheraton Cairo Hotel &amp; Casino, Galae Square, Cairo, Egypt, Egypt 
ScheduleFull Time 
Located Remotely?N 
Position Type Management 
<div><div>JOB SUMMARY 
Manages the day-to-day operations of accounts receivables, ensuring that invoices being sent out are correct and dispersed in a timely manner. Follows up on any delinquent accounts. Researches and decides upon credit authorization for incoming customers. 
CANDIDATE PROFILE
Education and Experience
<ul><li>4-year bachelor's degree in Finance and Accounting or related major; no work experience required.</li></ul> 
CORE WORK ACTIVITIES 
Managing Work, Projects, and Policies
<ul><li>Generates and provides accurate and timely results in the form of reports, presentations, etc.</li></ul>
<ul><li>Compiles, codes, categorizes, calculates, tabulates, audits, or verifies information or data.</li></ul>
<ul><li>Completes accounts receivable period end closing functions and procedures; credit and period end reporting.</li></ul>
<ul><li>Upholds the policies and procedures outlined in the credit policy.</li></ul>
<ul><li>Interacts with sales and catering staff for timely credit decisions on incoming customers.</li></ul> 
Demonstrating and Applying Accounting Knowledge to Credit Management Issues
<ul><li>Demonstrates knowledge of job-relevant issues, products, systems, and processes.</li></ul>
<ul><li>Uses computers and computer systems (including hardware and software) to program, write software, set up functions, enter data, or process information.</li></ul>
<ul><li>Uses relevant information and individual judgment to determine whether events or processes comply with laws, regulations, or standards.</li></ul>
<ul><li>Keeps up-to-date technically and applying new knowledge to your job.</li></ul>
<ul><li>Stays knowledgeable of accounts receivable system.</li></ul> 
Leading Credit Management Team
<ul><li>Utilizes interpersonal and communication skills to lead, influence, and encourage others; advocates sound financial/business decision making; demonstrates honesty/integrity; leads by example.</li></ul>
<ul><li>Staffs, manages and develops all billing and accounts receivable employees.</li></ul> 
Maintaining Finance and Accounting Goals
<ul><li>Submits reports in a timely manner, ensuring delivery deadlines.</li></ul>
<ul><li>Ensures profits and losses are documented accurately.</li></ul>
<ul><li>Achieves and exceeds goals including performance goals, budget goals, team goals, etc.</li></ul>
<ul><li>Develops specific goals and plans to prioritize, organize, and accomplish your work.</li></ul>
<ul><li>Monitors all taxes that apply, ensuring that taxes are current, collected and/or accrued.</li></ul>
<ul><li>Ensures property billings are sent error free and in a timely manner.</li></ul>
<ul><li>Monitors receivables for timely collections and follows up with appropriate collection correspondence.</li></ul> 
Additional Responsibilities
<ul><li>Provides information to supervisors, co-workers, and subordinates by telephone, in written form, e-mail, or in person.</li></ul>
<ul><li>Provide direction and assistance to other organizational units regarding accounting and budgeting policies and procedures, and efficient control and utilization of financial resources.</li></ul>
<ul><li>Analyzes information and evaluating results to choose the best solution and solve problems.</li></ul>
<ul><li>Informs and/or updates the executives, the peers and the subordinates on relevant information in a timely manner.</li></ul>
<ul><li>Maintains positive working relations with customers and department managers.</li></ul></div><div> 
</div>At Marriott International, we are dedicated to being an equal opportunity employer, welcoming all and providing access to opportunity. We actively foster an environment where the unique backgrounds of our associates are valued and celebrated. Our greatest strength lies in the rich blend of culture, talent, and experiences of our associates. We are committed to non-discrimination on any protected basis, including disability, veteran status, or other basis protected by applicable law.
When you join the Sheraton family, you become a member of its global community. We&rsquo;ve been a place to gather and connect since 1937. At Sheraton, associates create a sense of belonging in more than 400 communities around the world. We invite, we welcome, and we connect guests through engaging experiences and thoughtful service. If you&rsquo;re a team player who is excited to deliver a meaningful guest experience, we encourage you to explore your next career opportunity with Sheraton. Join us on our mission to be &lsquo;The World&rsquo;s Gathering Place&rsquo;. In joining Sheraton Hotels &amp; Resorts, you join a portfolio of brands with Marriott International. Be where you can do your best work, begin your purpose, belong to an amazing global team, and become the best version of you.</div></div>

Credit Manager

<div>
 
 The objective of the Bank in respect of EPB is to become a pre-eminent private bank in the region and be a market leader across UAE in the priority banking arena. Clients in this segment include the High-Net-Worth Individuals &amp;/or all of their group entities representing diverse interests ranging from operating businesses to wide range of investment across various asset classes.
 
 
 
 
 
 The purpose of the job is to prepare, review and provide appropriate recommendation of credit facilities for private banking credit portfolio. The role also entails compliance with all credit policies and guidelines. This is senior level role where the staff will engage in high value tickets where structuring of facility is key for complex bespoke facilities. In addition to provide credit underwriting support for assigned portfolio&rsquo;s for facilities in UAE and KSA, the role also assists in obtaining necessary approvals for assigned portfolio in international locations of private banking.
 
 
 
 
 
 The role is required to engage with the relationship manager in structuring and propositioning so that the twin objective of client needs and Bank requirements are met in a swift and expeditious manner.
 
 
 
 
 
 
 Skills
 
 
 
 Loan facilities to the High Net Worth and Ultra High Net Worth clients are structured around the loan size, collateral type, tenor and the financial strength of the borrower. Credit facilities are offered under various lending structures such as Lombard facilities, Commercial/Residential Real Estate and Insurance Financing. Accordingly, the job holder is expected to demonstrate deep knowledge of products, industry, markets, financial statements so that he/she can work across all product groups and respond in a timely manner. Hence it is critical that the job holder, among other credit skills, is able to demonstrate the following EPB-specific skill set:
 
 
 
 
 <ul>
 <li>
 A thorough understanding of risks associated complex facility structures
 </li>
 <li>
 Good understanding of documentation/legal requirements for different types of credit facilities
 </li>
 <li>
 Strong initiative and interactive approach to problem solving while displaying flexibility and negotiation skills.
 </li>
 </ul>
 
 
 
 
 He/She is expected to be solution oriented and requires out of the box thinking without seeking to dilute the high standards of credit and be strong partner for business.
 
 
 
 
 
 
 Key Accountabilities
 
 
 <ul>
 <li>
 Participate and represent credit in the due diligence process for prospective deals in collaboration with Coverage/ Product teams and ensure that emerging risk factors are identified and are suitably addressed with appropriate mitigants.
 </li>
 <li>
 Conduct robust credit analysis by ensuring that appropriate Target Market Risk Acceptance Criteria and PBW GCP guidelines are followed as part of approval process.
 </li>
 <li>
 Actively participate in client relationships through client visits / conference calls as part of transaction origination/structuring. Advises Relationship Managers on the risk factors associated with complex transactions, and the clauses imperative in mitigating these.
 </li>
 <li>
 Provide ongoing feedback and expert inputs into the deal structure intermittently and as required based on Bank Risk Appetite for products/ industry / sector / geography / counterparty.
 </li>
 <li>
 Ensures timely availability of required information to approving authority for credit decision making.
 </li>
 <li>
 Ensure accuracy of data being presented to various stakeholders including senior management
 </li>
 <li>
 Coordinate with internal counterparties (CAD, Legal etc.) to provide guidance on risk assessment, risk rating, and documentation.
 </li>
 <li>
 Obtain accurate and current information and update the Risk systems (Risk rating models, collateral management system etc) that allow for accurate identification of risk profiles/ratings in all asset categories.
 </li>
 <li>
 Recommend amendments to the Bank&rsquo;s credit policy, procedures, Risk Rating models, credit memorandums, risk criteria etc based on lending experience and market expediencies ensuring it is aligned with overall Bank&rsquo;s risk strategy &amp; policy
 </li>
 <li>
 Ensure satisfactory rating in audits through proactive actions and ensure all recommendations are implemented
 </li>
 </ul>
 
 
 
 
 
 Specific Accountability
 
 
 <ul>
 <li>
 Preparation of comprehensive credit proposals clearly outlining key risks, mitigations and recommendation for presentation to the Approving Authority for prospective and existing clients under assigned portfolio
 </li>
 <li>
 Coordinates with the Relationship Managers well in advance of due dates of annual reviews to obtain necessary information from the borrower to facilitate a comprehensive review of the credit facilities.
 </li>
 <li>
 Ensure credit processing &amp; approval turnaround times as per agreed SLAs.
 </li>
 <li>
 Periodic meetings / conference calls with clients to be undertaken along with RMs for prospective and existing clients
 </li>
 <li>
 Monitor accounts regularly and follow-up with Business units on terms and conditions to ensure compliance with the approval conditions.
 </li>
 <li>
 Oversight the mark-to-market revaluation process and take ownership of liaising with the respective RMs to rectify any margin call situations.
 </li>
 <li>
 Review exception and portfolio reports as applicable and keep abreast of the clients account conduct, financial standing and latest developments occurring in their respective segment/market so as to provide appropriate recommendations with regards to change in risk appetite / ratings /classification.
 </li>
 <li>
 Monitor early warning indicators in order to identify potential problem accounts and liaise with Business Units for ensuring suitable action plans are in place to rectify the situation at an early stage.
 </li>
 <li>
 Manage problem credits closely and recommending appropriate strategies and remedial action plans. Identify defaulters and recommend immediate remedial arrangements for maintaining a quality credit portfolio.
 </li>
 <li>
 Ensure accuracy of data being presented to various stakeholders including senior management
 </li>
 <li>
 Contribute to enhancement of knowledge and expertise of other team members by participating in training and development initiatives.
 </li>
 </ul>
 
 
 
 
 
 Minimum Qualification
 
 
 <ul>
 <li>
 Must have Bachelor&rsquo;s degree.
 </li>
 <li>
 Desirable: - Chartered Accountant/ Masters in Business Administration (MBA) or any other relevant finance degree, professional certification charter (CFA/FRM etc) or diploma.
 </li>
 </ul>
 
 
 
 
 
 Minimum Experience &amp; Skill Set
 
 
 <ul>
 <li>
 Minimum 5 years relevant experience in the banking sector with at least 4-5 years in Credit function.
 </li>
 <li>
 Good understanding of various credit products such as Lombard lending, Real Estate financing, FX and Derivatives.
 </li>
 <li>
 Understanding of various Investment products such as bonds, sukuks, stocks, mutual funds, structured notes etc.
 </li>
 <li>
 Ability to look into and beyond Personal Net Worth Statements/financials and see business proposition.
 </li>
 <li>
 Strong structuring skills
 </li>
 <li>
 Good understanding of legal and regulatory framework.
 </li>
 <li>
 Ability to work under pressure
 </li>
 <li>
 Strong communication skills &ndash; written and spoken.
 </li>
 </ul>
</div>

VP, Credit Management

The Home Depot

<div>Position Purpose:
The Financial Services &amp; Payments Finance Manager is responsible for managing the FS&amp;P P&amp;L including cost of acceptance, private label credit card P&amp;L, and G&amp;A. The Finance Manager&rsquo;s responsibilities include: (i) P&amp;L forecasting and planning, (ii) preparing and presenting financial analysis to FS&amp;P leadership, (iii) preparing monthly and ad-hoc reporting, (iv) identifying trends and develop/implement strategies to achieve financial targets, and (v) reviewing and analyzing the performance of Home Depot&rsquo;s Private Label Credit Card portfolios. Additionally, the associate will manage the relationship with Global FP&amp;A and act as a liaison to Accounting. 
Key Responsibilities:<ul><li>
Strategic Analysis/Problem Solving - Works to fully understand business; identify and implement process and organizational improvements. Plans and ensures execution of department objectives. Participates in preparation of the annual budget, reviews monthly expenditures and ensures that budgetary goals are met. Reviews monthly metrics to ensure goals are met.</li><li>
Conduct financial planning for function and make appropriate recommendations.</li><li>
Leads, plans, and coordinates work teams in an efficient manner to effectively perform any financial function and activity; utilizes metrics to track performance and manage workload. Ensures operational processes and procedures are compliant and consist with established policies.</li><li>
Drive key functional financial metrics.</li><li>
Project Management- Develops and supports a strategic alliance with business partners. Participates in cross-functional activities focused on solving business issues and enhancing our competitive advantage. Facilitates cross-functional communication with other areas of the business including but not limited to Finance, Human Resources, Real Estate, Operations, and Information Systems.</li></ul> 
Direct Manager/Direct Reports:<ul><li>
Typically reports to a Sr. Manager</li><li>
This position has direct reports.</li></ul> 
Travel Requirements:<ul><li>
Typically requires overnight travel 5% to 10% of the time.</li></ul> 
Physical Requirements:<ul><li>
Most of the time is spent sitting in a comfortable position and there is frequent opportunity to move about. On rare occasions there may be a need to move or lift light articles.</li></ul> 
Working Conditions:<ul><li>
Located in a comfortable indoor area. Any unpleasant conditions would be infrequent and not objectionable.</li></ul> 
Minimum Qualifications:<ul><li>
Must be eighteen years of age or older.</li><li>
Must be legally permitted to work in the United States.</li></ul> 
Preferred Qualifications:<ul><li>
Experience in Planning (Budgeting), Forecasting, and Financial Analysis</li><li>
MBA preferred.</li><li>
5+ years of experience in Finance and/or Accounting.</li><li>
Private Label Credit or Bankcard portfolio analysis</li><li>
Working knowledge of SQL and Google BigQuery</li><li>
SAP/S4 HANA</li><li>
AI: Gemini and Copilot</li></ul> 
Minimum Education:<ul><li>
The knowledge, skills and abilities typically acquired through the completion of a bachelor's degree program or equivalent degree in a field of study related to the job.</li></ul> 
Preferred Education:<ul><li>
No additional education</li></ul> 
Minimum Years of Work Experience:<ul><li>
5</li></ul> 
Preferred Years of Work Experience:<ul><li>
No additional years of experience</li></ul> 
Minimum Leadership Experience:<ul><li>
None</li></ul> 
Preferred Leadership Experience:<ul><li>
None</li></ul> 
Certifications:<ul><li>
None</li></ul> 
Competencies:<ul><li>
Knowledge of accounting principles and practices, analysis and reporting of financial data.</li><li>
Knowledge of business and mgmt. Principles involved in strategic planning and resource allocation.</li><li>
Project management skills; ability to prioritize and multi-task effectively.</li><li>
Judgement and decision-making skills; considering relative costs, benefits of potential actions.</li></ul></div>

Manager, Finance - Credit Services

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