credit manager

Hilton

<div>Credit Manager
The role aims to be recognized as a trusted advisor to finance team members and other hotel business partners. This role supports the finance lead to retain and train best-in-class finance professionals and assists in developing their finance team. This role ensures a robust control and compliance environment and supports the hotel / hotels to maximize profit and contributes to implement EMEA Operations Finance innovations and projects.
What will I be doing?
The Credit Manager is responsible for the efficient operation of the hotel&rsquo;s Accounts Receivable / OTC department in charge of Credit, Billing and Collection in all activities related to extending credit to customers, billing and collection, maintenance and control of the hotel&rsquo;s accounts receivables. Specifically, you will be responsible for performing the following tasks to the highest standards:
<ul><li>Assists the Finance Leader in any other way deemed necessary for the efficient overall operation of the Finance Department.</li>
<li>Ensure a smooth operation of granting credit facilities, billing and collection in full compliance with the policy, regulatory and contractual framework.</li>
<li>Business partner with all hotel finance team members and the Hotel Management team, and develops excellent working relationships across a broad range of internal and external stakeholders, including Commercial and Operations.</li>
<li>Support the Finance Lead to develop best-in-class hotel Finance teams, including participation in all relevant Finance development programs.</li>
</ul>What are we looking for?
<ul><li>Ability to exercise sound judgement and decision-making skills</li>
<li>Excellent written and verbal communication and comprehension skills</li>
<li>Ability to work well under pressure and effectively handle multiple concurrent demands and appropriately prioritize responsibilities</li>
<li>Must possess the ability to analyse large amounts of data / information efficiently and accurately</li>
<li>Ability to learn and perform all essential job functions accurately and safely with minimal direct supervision, within initial training period after employee begins work</li>
</ul>Additional Preferences:
<ul><li>University degree in Accounting or Finance</li>
<li>Knowledge of Tower operations to include all aspects</li>
</ul>What will it be like to work for Hilton?
Hilton is the leading global hospitality company, spanning the lodging sector from luxurious full-service hotels and resorts to extended-stay suites and mid-priced hotels. For nearly a century, Hilton has offered business and leisure travelers the finest in accommodations, service, amenities and value. Hilton is dedicated to continuing its tradition of providing exceptional guest experiences across its global brands. Our vision &ldquo;to fill the earth with the light and warmth of hospitality&rdquo; unites us as a team to create remarkable hospitality experiences around the world every day. And, our amazing Team Members are at the heart of it all!</div>

Credit Manager

TikTok

<div>
 
 Responsibilities
 
 
 Team Introduction
 
 We support multiple business lines such as Non-China Ad (GBS&amp;TTMP), non-China PICO, Lark monetization, non-China IP licensing and rental income, continuously optimize ways of working to build an automated accounting system in complex and ever changing business scenarios, as well as support global revenue, collection and clients' credit risk management in an all-round way.
 
 
 As the Credit Manager, you will oversee the credit granting process for our advertising clients, including direct brands and agency holding companies. You will balance the need to drive ad revenue growth with the necessity of mitigating financial risk. The ideal candidate will have a strong understanding of digital media billing structures (agencies, programmatic, direct) and the ability to partner closely with our Sales and Ad Operations teams.
 
 
 Responsibilities:
 
 - Credit Assessment: Evaluate the creditworthiness of new and existing advertisers and media agencies by analyzing financial statements, credit reports (e.g., D&amp;B), and payment history.
 
 - Limit Management: Establish, monitor, and adjust credit limits for client ad spend to optimize revenue while minimizing bad debt exposure.
 
 - Cross-Functional Collaboration: Partner directly with Sales, Account Management, and teammates within Finance to create a holistic view of the credit and payment risk of a customer and to develop the best deal possible to allow revenue growth responsibly.
 
 - Policy Development: Develop and enforce credit and collection policies tailored to the fast-paced digital advertising lifecycle and changing economic landscape for North America.
 
 - Reporting: Prepare monthly reporting on A/R aging, bad debt reserves, and credit exposure for executive leadership.
 
 - Risk Mitigation: Create and maintain a cost effective credit insurance program to cover potential loss.
 
 
 
 Qualifications
 
 
 Minimum Qualifications:
 
 - Education: Bachelor&rsquo;s degree in Finance, Accounting, Business Administration, or a related field.
 
 - Experience: 5+ years of experience in credit management and collections, with at least 2 years specifically in digital advertising, ad tech, or media.
 
 - Industry Knowledge: Deep understanding of the advertising ecosystem, including how agency holding companies operate, sequential liability, and programmatic billing.
 
 - Soft Skills: Strong negotiation and communication skills, with the ability to maintain positive client relationships while strictly enforcing financial terms.
 
 
 
 About TikTok
 
 
 TikTok is the leading destination for short-form mobile video. At TikTok, our mission is to inspire creativity and bring joy. TikTok's global headquarters are in Los Angeles and Singapore, and we also have offices in New York City, London, Dublin, Paris, Berlin, Dubai, Jakarta, Seoul, and Tokyo.&ZeroWidthSpace;
 
 
 
 
 Why Join Us
 
 
 Inspiring creativity is at the core of TikTok's mission. Our innovative product is built to help people authentically express themselves, discover and connect &ndash; and our global, diverse teams make that possible. Together, we create value for our communities, inspire creativity and bring joy - a mission we work towards every day.&ZeroWidthSpace;
 
 We strive to do great things with great people. We lead with curiosity, humility, and a desire to make impact in a rapidly growing tech company. Every challenge is an opportunity to learn and innovate as one team. We're resilient and embrace challenges as they come. By constantly iterating and fostering an "Always Day 1" mindset, we achieve meaningful breakthroughs for ourselves, our company, and our users. When we create and grow together, the possibilities are limitless. Join us.&ZeroWidthSpace;
 
 &ZeroWidthSpace;
 
 Diversity &amp; Inclusion&ZeroWidthSpace;
 
 TikTok is committed to creating an inclusive space where employees are valued for their skills, experiences, and unique perspectives. Our platform connects people from across the globe and so does our workplace. At TikTok, our mission is to inspire creativity and bring joy. To achieve that goal, we are committed to celebrating our diverse voices and to creating an environment that reflects the many communities we reach. We are passionate about this and hope you are too.&ZeroWidthSpace;
 
 
 
 
 TikTok Accommodation
 
 
 TikTok is committed to providing reasonable accommodations in our recruitment processes for candidates with disabilities, pregnancy, sincerely held religious beliefs or other reasons protected by applicable laws. If you need assistance or a reasonable accommodation, please reach out to us at https://tinyurl.com/RA-request&ZeroWidthSpace;
 
 
 
 
 Job Information
 
 
 【For Pay Transparency】Compensation Description (Annually)
 
 The base salary range for this position in the selected city is $108000 - $168000 annually.&ZeroWidthSpace;
 
 Compensation may vary outside of this range depending on a number of factors, including a candidate&rsquo;s qualifications, skills, competencies and experience, and location. Base pay is one part of the Total Package that is provided to compensate and recognize employees for their work, and this role may be eligible for additional discretionary bonuses/incentives, and restricted stock units.&ZeroWidthSpace;
 
 Benefits may vary depending on the nature of employment and the country work location. Employees have day one access to medical, dental, and vision insurance, a 401(k) savings plan with company match, paid parental leave, short-term and long-term disability coverage, life insurance, wellbeing benefits, among others. Employees also receive 10 paid holidays per year, 10 paid sick days per year and 17 days of Paid Personal Time (prorated upon hire with increasing accruals by tenure).&ZeroWidthSpace;
 
 The Company reserves the right to modify or change these benefits programs at any time, with or without notice.&ZeroWidthSpace;
 
 For Los Angeles County (unincorporated) Candidates:&ZeroWidthSpace;
 
 Qualified applicants with arrest or conviction records will be considered for employment in accordance with all federal, state, and local laws including the Los Angeles County Fair Chance Ordinance for Employers and the California Fair Chance Act. Our company believes that criminal history may have a direct, adverse and negative relationship on the following job duties, potentially resulting in the withdrawal of the conditional offer of employment:&ZeroWidthSpace;
 
 1. Interacting and occasionally having unsupervised contact with internal/external clients and/or colleagues;&ZeroWidthSpace;
 
 2. Appropriately handling and managing confidential information including proprietary and trade secret information and access to information technology systems; and&ZeroWidthSpace;
 
 3. Exercising sound judgment.&ZeroWidthSpace;
</div>

Senior Credit Manager

Raffles

<div>Company Description 
Raffles &amp; Fairmont Red Sea, positioned in the Kingdom&rsquo;s groundbreaking Red Sea Project, will provide visitors access to a nature-focused resort. With 361 rooms, eleven distinct dining concepts, including overwater restaurants with views of the Red Sea and the mangroves, and a spa. The resort will be situated next to an 18 hole championship golf course, reflecting Fairmont&rsquo;s association as a world class golf destination. It will set new standards in sustainable development, positioned on 200km of untouched coastline, an archipelago of more than 90 unspoiled islands, dormant volcanoes, rich marine habitat, and ancient archaeological sites. 
Job Description 
Raffles The Red Sea is seeking a highly skilled and experienced Credit Manager to join our team in Umluj, Saudi Arabia. As the Credit Manager, you will play a crucial role in managing the hotel's credit operations, ensuring financial stability, and maintaining positive relationships with our esteemed clientele.<ul><li>
Develop and implement credit policies and procedures to minimize financial risks</li><li>
Analyze credit applications and assess creditworthiness of corporate clients and travel agencies</li><li>
Manage accounts receivable and oversee debt collection processes</li><li>
Collaborate with sales and finance teams to establish credit limits and terms for clients</li><li>
Monitor and report on credit portfolio performance, identifying trends and potential risks</li><li>
Negotiate payment plans and resolve disputes with delinquent accounts</li><li>
Ensure compliance with local and international financial regulations</li><li>
Prepare regular financial reports and presentations for senior management</li><li>
Implement and maintain credit management software systems</li><li>
Train and supervise credit department staff</li><li>
Stay updated on industry trends and best practices in credit management</li></ul> 

Qualifications 
<ul><li>
Bachelor's degree in Finance, Accounting, or related field</li><li>
Minimum 5 years of experience in credit management, preferably in the hospitality industry</li><li>
Professional certifications such as Certified Credit Professional (CCP) or Certified Credit Executive (CCE) preferred</li><li>
Strong knowledge of financial analysis and credit risk assessment techniques</li><li>
Proficiency in accounting software, Microsoft Office Suite, and CRM systems</li><li>
Experience with international clientele and understanding of global financial practices</li><li>
Familiarity with Saudi Arabian financial laws and regulations</li><li>
Excellent analytical and problem-solving skills</li><li>
Strong leadership and team management abilities</li><li>
Exceptional communication and negotiation skills</li><li>
Ability to work under pressure and meet deadlines in a fast-paced environment</li><li>
Fluency in English; knowledge of Arabic is a plus</li></ul> 

Additional Information 
What&rsquo;s in it for you...<ul><li>
The opportunity to join Accor, a leading global hospitality group with an exceptional portfolio of luxury brands.</li><li>
The chance to define the pre-opening operations for two iconic resorts at one of the world&rsquo;s most anticipated new destinations.</li><li>
Become part of a team dedicated to creating unparalleled luxury hospitality experiences.</li><li>
A competitive package and excellent opportunities for professional growth.</li><li>
Outstanding discounts across the global Accor and luxury brand network.</li></ul></div>

Credit Manager - Raffles The Red Sea

Credit Union Manager

Credit Union Manager UEWCO Credit Union LLC | Building 78, Entertainment City, LusailRole Overview Oversee the strategic and daily operations of our Lusail branch. You will manage the credit portfolio, drive deposit growth, and ensure the highest standards of member service and financial integrity.Key Duties<ul><li>Operations: Lead branch activities, staff, and member service workflows.</li><li>Credit Risk: Manage loan approvals and oversee the institutional risk framework.</li><li>Growth: Develop financial products and strategies to expand the member base.</li><li>Compliance: Ensure 100% adherence to QCB regulations and internal audits.</li></ul>Requirements<ul><li>Experience: 10+ years in banking/credit unions with significant leadership seniority.</li><li>Education: Degree in Finance, Banking, or Business.</li><li>Language: Professional English fluency for reporting and coordination.</li><li>Location: Building 78, Entertainment City, Lusail, Qatar.</li></ul>Job Type: Full-timePay: QAR38,000.00 per monthWork Location: In person

Toyota Point Motors

The MandateToyota Point Motors is seeking a strategic and analytical Senior Credit Risk Manager to lead our credit governance department. As a premier automotive hub in Salalah, we require a professional who can design and oversee sophisticated credit assessment frameworks for both individual and corporate clients. You will be the primary authority on risk appetite, ensuring that our financing solutions remain competitive while maintaining an industry-leading low NPL (Non-Performing Loan) ratio.Core Responsibilities<ul><li>Credit Framework Design: Develop and refine credit scoring models and underwriting policies tailored to the Omani automotive market, balancing sales targets with risk exposure.</li><li>High-Value Approval: Act as the final decision-maker for high-value credit applications, corporate fleet financing, and complex lease-to-own agreements.</li><li>Portfolio Risk Monitoring: Conduct continuous stress-testing and aging analysis of the total credit portfolio, identifying emerging trends or regional economic shifts that may impact repayment behaviors.</li><li>Collections Strategy Oversight: Lead the recovery and collections teams in developing ethical but effective intervention strategies for delinquent accounts, in compliance with Omani commercial laws.</li><li>Stakeholder &amp; Bank Liaison: Maintain strong relationships with partner banks and financial institutions, ensuring seamless integration of third-party financing and internal credit facilities.</li><li>Regulatory Compliance: Ensure all credit activities adhere strictly to Central Bank of Oman (CBO) guidelines and local consumer protection regulations.</li></ul>Professional Profile<ul><li>Minimum 10&ndash;12 years of experience in credit risk management, preferably within the automotive finance, banking, or consumer retail sectors.</li><li>Technical Expertise: Advanced proficiency in credit modeling, financial statement analysis, and risk-rating systems.</li><li>Proven track record of managing large-scale portfolios and leading high-performance risk/collections teams.</li><li>Deep understanding of the Omani Commercial Law and the Sultanate&rsquo;s regulatory landscape for retail finance.</li><li>Bilingual Excellence: Absolute professional fluency in English and Arabic is mandatory for credit committee reporting and regulatory liaison.</li><li>Bachelor&rsquo;s degree in Finance, Economics, or Risk Management; professional certifications (e.g., FRM, PRM) are highly advantageous.</li></ul>Package &amp; Benefits<ul><li>Fixed Monthly Salary: OMR 2,600.</li><li>Comprehensive health and life insurance for self and immediate family.</li><li>Annual flight allowance and 30 days of annual leave.</li><li>Full company sponsorship and residency permit in Salalah.</li><li>A leadership position with a globally recognized automotive brand in the heart of Al Wadi.</li></ul>الراتب المدفوع: ﷼٢٬٦٠٠٫٠٠٠&nbsp;لكل شهرموقع العمل: بشكل شخصي

Senior Credit Risk Manager

The Home Depot

<div>Position Purpose:
The Manager, Pro Trade Credit &ndash; Trade Credit Services, leads the credit &amp; collections management for the Pro Trade Credit program. Focus is on developing and managing processes for the trade credit services team and customer support functions related to existing customer credit and collections management. This is including but not limited to, direct management of a credit operations team, development of credit underwriting and collection policies and processes, customer servicing functions, receivables management, development and adherence to compliance and reporting requirements, program operations and improvements, and loss mitigation and collections strategies. This role works cross functionally with internal and external partners (including Information Technology, Product Managers, Operations, Accounting, Compliance, third-party vendors, and others) to develop and implement a trade credit management functions and strategies that supports strategic initiatives.
This role requires strong team management, deep understanding of commercial credit underwriting and collections processes, call center and customer service functions, and the ability to effectively communicate and influence partners to support and execute solutions. 
 
Key Responsibilities:<ul><li>
20% - Collaboration - Work with Pro Operations, Accounting, and Controls to ensure program adherence to service and compliance/control related objectives.</li><li>
25% - Drives Results - Establish and assess financial and operational/quality results of collections and receivables management against predetermined goals. Determine appropriate team structures along with credit and collections strategies to achieve operationally established goals and objectives.</li><li>
30% - Plans &amp; Aligns - Manage the credit and collections processes, strategy, and support functions related to the commercial Pro Trade Credit program.</li><li>
25% - Strategic Mindset - Oversee the development and execution of underwriting and collections processes and performance. Utilize credit knowledge and people management skills to ensure proper program administration and support levels are met.</li></ul> 
Direct Manager/Direct Reports:<ul><li>
This Position typically reports to the Sr. Manager or Director, Pro Trade Credit</li><li>
This Position has 6 Direct Reports</li></ul>
Travel Requirements:<ul><li>
Typically requires overnight travel 5% to 20% 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 at least 18 years old</li><li>
Must be legally permitted to work in the United States</li></ul> 
Preferred Qualifications:
<ul><li>Working knowledge of Microsoft Office Suite</li><li>
Demonstrated ability to collaborate and work effectively with cross-functional teams</li><li>
Ability to draw accurate conclusions from financial documentation</li><li>
Demonstrated project management skills</li><li>
Ability to negotiate, handle complaints, settle disputes, and resolve grievances with both internal and external customers</li><li>
Excellent written and verbal communication skills</li><li>
3+ years&rsquo; experience in commercial trade credit management and/or supervisory capacity in credit servicing center and underwriting teams.</li><li>
Knowledge, Skills, Abilities and Competencies:</li><li>
An understanding and knowledge of the principles/disciplines of commercial underwriting and credit program administration.</li><li>
People and team management skills</li><li>
A strong grasp of credit and customer service/call center management skills. Able to manage/coordinate customer servicing levels. Understands how to structure and manage staffing, manage collections and effective receivables management relative to operational structure and servicing needs.</li><li>
Sound understanding of lien based lending and effective receivables management strategies.</li><li>
Ability to leverage data and analysis to craft a well-thought story and business case. Very strong communication skills to deliver business cases and gain support for process development and business strategies. Demonstrated decisiveness and sound decision-making skills.</li>
Able to think strategically about business problems and opportunities and to focus efforts on strategies that most closely support key company initiatives. 
<li>
 
</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>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> 
Minimum Years of Work Experience:<ul><li>
6</li></ul> 
Preferred Years of Work Experience:
<ul><li>6</li></ul>
Minimum Leadership Experience:
<ul><li>3</li></ul> 
Preferred Leadership Experience:
<ul><li>3</li></ul>
Certifications:<ul><li>
None</li></ul> 
Competencies:
<ul><li>Decision Quality</li><li>
Collaborates</li><li>
Drives Engagement</li><li>
Ensures Accountability</li><li>
Plans and Aligns</li><li>
Communicates Effectively</li><li>
Customer Focus</li><li>
Develops Talent</li><li>
Drives Results</li><li>
Manages Conflict</li></ul></div>

Manager, Trade Credit

Mashreq

<div>
 Job Purpose
 
 - Analyze and process credit proposals and applications of MashreqBank&rsquo;s retail Lending Products for approval or escalation to Credit Supervisors within the stipulated TAT.
 
 - To ensure smooth implementation of the front end automation of credit process solution across all lending products with significant gains in customer experience and productivity.
 
 - Regulating all approvals within the Credit Policy and Product parameters.
 
 - Ensuring consistent application of credit policy, quality of underwriting decisions and of documents held as collateral.
 
 - Responsible for the supervisory credit review function as and when required for RBG Products through implementation of standard operating procedures and policies as per Product Program Guidelines.
 
 - Responsible as a reliable back up in the absence of team leader/Asst Manager.
 
 - Responsible in the development of the new staff into the team and also periodically assist in the training of the new staff in the team
 
 
 Key Result Areas
 
 Credit Analysis
 
 - Analyzing for approval or escalation to higher authority : eligibility as per policy, bank statement, past data check on &lsquo;banks core systems, review through application processing system and create a credit proposal with all details for further checks and approvals
 
 - Measuring, evaluate and providing suggestion to improve the team&rsquo;s productivity. This will be done by maintaining key performance indicators and daily productivity MIS
 
 - To undertake various assigned projects to increase the unit productivity and to enhance product and credit policy for retail lending products.
 
 Exception Identification
 
 - Exception identification for eligibility, pricing, CPV, information capture on the system and collateral compliance
 
 - Communicating major deficiencies and policy violations to Team Leader/Asst Manager for follow-up.
 
 - Categorizing cases as &lsquo;Declined&rsquo;, &lsquo;Rejected&rsquo;, or &lsquo;for Deviation Approval&rsquo; if above checks fail.
 
 - To ensure daily productivity targets are met.
 
 - To ensure quality service to internal / external customers by adhering to the committed turnaround time.
 
 Training &amp; Testing
 
 - To be actively involved in the process of training and testing implemented by the quality unit.
 
 - To help in the on job training of the new staff in the team
 
 - To be a key team player and should at all times keep the motivation levels up within the team
 
 Credit Policy / Product Manual &amp; Operational Issues
 
 - Identifying anomalies in Credit Policy and Product Manual.
 
 - Recommending additions and modifications to Credit Policy and Product Manual.
 
 - Recommending improvements in operational procedures and risk areas from time to time.
 
 
 Knowledge, Skills and Experience
 
 - Graduate with 5 years work experience in Credit Management environment.
 
 - Excellent analytical skills.
 
 - Sound interpersonal skills
 
 - Ability to problem solving and work independently.
 
 - Should be customer focused and achievement oriented.
</div>

Assistant Manager- Credit Initiation & Compliance (Mashreq Global Network)

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