credit manager

Taajeer Finance | تأجير للتمويل

<div>
 
 
 Company Description:
 
 
 
 Taajeer Finance offers innovative and flexible financing solutions for individuals and businesses, focusing on driving financial and economic growth for our clients. We are committed to delivering high-quality services in a professional and transparent environment. Join our team and be part of our ongoing success!
 
 
 
 
 
 
 Job Summary:
 
 
 
 The SME Credit Manager will oversee the credit portfolio of small and medium-sized enterprises (SMEs), providing tailored credit solutions while managing credit risk and ensuring compliance with company policies. This role focuses on assessing credit risks, portfolio management, and building strong client relationships.
 
 
 
 
 
 
 Key Responsibilities:
 
 
 <ol>
 <li>
 Define SME product programs: eligibility, limits, financial ratios, collateral, and covenants.
 </li>
 <li>
 Lead appraisal of obligor/transaction risk (financial statements, cash flows, bank statements, bureau data).
 </li>
 <li>
 Set and monitor industry/concentration limits; maintain watchlist and early‑warning triggers.
 </li>
 <li>
 Approve within authority; escalate to committee with clear risk/mitigation rationale.
 </li>
 <li>
 Coordinate with Legal on security perfection and with Operations on documentation.
 </li>
 <li>
 Provide feedback to Sales on packaging quality; deliver banker/relationship manager training.
 </li>
 <li>
 Review portfolio performance by cohort and recommend policy refinements.
 </li>
 </ol>
 
 
 
 
 
 Education &amp; Certifications:
 
 
 <ul>
 <li>
 Bachelor&rsquo;s/Master&rsquo;s in Finance/Accounting/Economics. Professional credit certifications preferred.
 </li>
 </ul>
 
 
 
 
 
 Experience:
 
 
 <ul>
 <li>
 +8 years in SME/corporate credit; strong financial analysis and collateral experience.
 </li>
 </ul>
 
 
 
 
 
 Competencies:
 
 
 <ul>
 <li>
 Financial &amp; Risk Analysis
 </li>
 <li>
 Sector/Credit Policy Design
 </li>
 <li>
 Collateral &amp; Structuring
 </li>
 <li>
 Judgment &amp; Escalation
 </li>
 <li>
 Stakeholder Communication
 </li>
 </ul>
 
 
</div>

SME Credit Manager

On-Hire

<div>
 Our client, a prominent player in the financial services industry, is seeking an experienced Credit Manager to join their finance team. The Credit Manager will be responsible for overseeing the credit management process and ensuring the company's credit policies are effectively implemented and adhered to.
 
 
 In this role, you will assess the creditworthiness of potential clients, manage credit limits, and lead a team dedicated to ensuring optimal cash flow while minimizing bad debt risk. Your expertise in risk assessment and relationship management will be key to maintaining positive client relations while safeguarding the company's financial interests.
 
 
 
 Key Responsibilities:
 
 
 
 <ul>
 <li>
 Lead the credit assessment team responsible for underwriting all loan applications (consumer and microfinance)
 </li>
 <li>
 Ensure that credit decisions are consistent, well-documented, and aligned with approved credit policies and product programs
 </li>
 <li>
 Develop and maintain standardized evaluation methodologies tailored to customer segments and product types
 </li>
 <li>
 Establish and enforce service level agreements (SLAs) for application turnaround time (TAT) across channels
 </li>
 <li>
 Implement robust quality control processes to detect and reduce errors, fraud, and deviations from policy
 </li>
 <li>
 Drive continuous improvement of underwriting workflows and use of decision-support tools and scoring models
 </li>
 <li>
 Work closely with the Credit Policy and Risk teams to provide feedback on observed credit trends, exceptions, and operational challenges
 </li>
 <li>
 Support testing and implementation of new credit policies, rule adjustments, and system upgrades
 </li>
 <li>
 Build, train, and lead a team of credit analysts, underwriters, and credit reviewers
 </li>
 <li>
 Develop competency frameworks, training plans, and performance KPIs to ensure consistent evaluation standards
 </li>
 <li>
 Foster a culture of accountability, speed, and risk awareness within the team
 </li>
 <li>
 Generate regular reports on application volumes, approval/rejection rates, exception trends, and team productivity
 </li>
 <li>
 Highlight key risk indicators and support root cause analysis of delinquency related to credit decisions
 </li>
 <li>
 Monitor turnaround time (TAT) and enhance efficiency in credit operations through automation and system integration
 
 
 </li>
 </ul>
 
 Requirements
 
 
 
 &squf; Bachelor's degree of Commerce, Business Administration, Accounting or equivalent.
 
 
 &squf; 8+ years of experience in credit risk, quality assurance, or related roles, with at least 3 years in a leadership position.
 
 
 &squf; Proven expertise in consumer and microfinance lending operations
 
 
 &squf; Experienced with automated credit decisioning systems or loan origination platforms. Skills:
 
 
 &squf; Strong knowledge of credit policies, underwriting processes, and regulatory requirements.
 
 
 &squf; Proficiency in data analysis, reporting tools, and quality assurance methodologies.
 
 
 &squf; Excellent leadership, problem-solving, and communication skills.
 
 
 &squf; Attention to detail and a strong focus on accuracy and compliance.
 
 
 &squf; Strategic thinking with the ability to align quality assurance practices with business goals.
 
 
 
 Benefits
 
 
 
 Attractive Package
</div>

Credit Manager - Consumer Credit

On Hire

Our client, a prominent player in the financial services industry, is seeking an experienced Credit Manager to join their finance team. The Credit Manager will be responsible for overseeing the credit management process and ensuring the company's credit policies are effectively implemented and adhered to.
 In this role, you will assess the creditworthiness of potential clients, manage credit limits, and lead a team dedicated to ensuring optimal cash flow while minimizing bad debt risk. Your expertise in risk assessment and relationship management will be key to maintaining positive client relations while safeguarding the company’s financial interests.
 
Key Responsibilities: 
1. Lead the credit assessment team responsible for underwriting all loan applications (consumer and microfinance).
 2. Ensure that credit decisions are consistent, well-documented, and aligned with approved credit policies and product programs.
 3. Develop and maintain standardized evaluation methodologies tailored to customer segments and product types.
 4. Establish and enforce service level agreements (SLAs) for application turnaround time (TAT) across channels.
 5. Implement robust quality control processes to detect and reduce errors, fraud, and deviations from policy.
 6. Drive continuous improvement of underwriting workflows and use of decision-support tools and scoring models.
 7. Work closely with the Credit Policy and Risk teams to provide feedback on observed credit trends, exceptions, and operational challenges.
 8. Support testing and implementation of new credit policies, rule adjustments, and system upgrades.
 9. Build, train, and lead a team of credit analysts, underwriters, and credit reviewers.
 10. Develop competency frameworks, training plans, and performance KPIs to ensure consistent evaluation standards.
 11. Foster a culture of accountability, speed, and risk awareness within the team.
 12. Generate regular reports on application volumes, approval/rejection rates, exception trends, and team productivity.
 13. Highlight key risk indicators and support root cause analysis of delinquency related to credit decisions.
 14. Monitor turnaround time (TAT) and enhance efficiency in credit operations through automation and system integration.
 
Requirements: 
<ul>
<li>Bachelor’s degree of Commerce, Business Administration, Accounting or equivalent.</li>
<li>8+ years of experience in credit risk, quality assurance, or related roles, with at least 3 years in a leadership position.</li>
<li>Proven expertise in consumer and microfinance lending operations</li>
<li>Experienced with automated credit decisioning systems or loan origination platforms. Skills:</li>
<li>Strong knowledge of credit policies, underwriting processes, and regulatory requirements.</li>
<li>Proficiency in data analysis, reporting tools, and quality assurance methodologies.</li>
<li>Excellent leadership, problem-solving, and communication skills.</li>
<li>Attention to detail and a strong focus on accuracy and compliance.</li>
<li>Strategic thinking with the ability to align quality assurance practices with business goals.</li>
</ul>
Benefits: 
Attractive Package

HRSG

HRSG - Innovative Business Solutions is currently looking for a competent credit control individual in finance having hands-on experience ensuring timely collection of outstanding invoices, minimizing financial risk, and maintaining healthy cash flow.Position: Credit Control ManagerLocation: Karachi-SindhJob type: 12-15 months HRSG contractSector: pharma/FMCGDescription:- Lead and manage the credit control team to ensure efficient operations and timely recovery.- Monitor customer accounts and ensure timely collection of payments.- Prepare regular reports on accounts receivable and credit performance.- Set and manage credit limits to mitigate financial risk.- Collaborate with sales, finance, and legal teams to align credit strategies.- Support internal and external audits by providing required documentation and explanations.Requirement:- Educated to a minimum bachelor&rsquo;s degree level in a business-related subject from a recognized university.- Minimum 2-3 years&rsquo; experience handling the credit control function.Job Types: Full-time, Contract Contract length: 15 monthsPay: Rs240,000.00 per monthEducation:<ul><li>Bachelor's (Required)</li></ul>Experience:<ul><li>relevant working: 3 years (Required)</li></ul>Work Location: In person

Credit Control Manager

Bravo

<div><h4 class="jobSectionHeader">Job Purpose</h4>
The Credit Risk Manager will be responsible for analyzing, monitoring, and managing the credit risk exposure of Bravo&rsquo;s consumer finance portfolio. The role involves developing credit risk models, supporting policy formulation, conducting portfolio reviews, and providing actionable insights that enhance risk strategy and ensure compliance with regulatory standards.<h4 class="jobSectionHeader">
Key Responsibilities</h4><ul><li>
Develop and maintain credit risk models, scorecards, and risk assessment methodologies.</li><li>
Monitor credit portfolio performance, delinquency trends, and default patterns.</li><li>
Perform stress testing and scenario analysis to assess portfolio resilience.</li><li>
Recommend changes to credit policy, risk appetite, and approval criteria based on data insights.</li><li>
Support new product launches with credit risk assessments and portfolio impact analysis.</li><li>
Prepare and deliver regular risk reports and presentations to senior management.</li><li>
Collaborate with MIS, Collections, and Business teams to align on risk strategies.</li><li>
Ensure compliance with FRA regulations and internal risk frameworks.</li><li>
Mentor junior analysts and contribute to building analytical capabilities within the risk team.</li><li>
Develop and implement fraud detection and mitigation strategies to safeguard the portfolio.</li></ul><ul><li> 
Bachelor&rsquo;s degree in Economics, Statistics, Finance, Business, or related field.</li><li>6+ years of experience in credit risk management or portfolio analytics in Consumer Finance, Banking, or FinTech.</li><li>Strong knowledge of credit risk concepts, policy formulation, and portfolio monitoring.</li><li>Experience with BI and reporting tools (Power BI, Tableau) is preferred.</li><li>excel</li><li>Excellent analytical, problem-solving, and quantitative skills.</li><li>Strong stakeholder management and communication skills.</li><li>Ability to work independently and manage multiple priorities under tight deadlines.</li></ul></div>

Credit Risk Manager

Whitecollars

<div>Company Description 
We&rsquo;re Hiring: AR, Credit &amp; Collections Manager
 
Location: Al Malaz &ndash; Riyadh | Sun&ndash;Thu, 9 AM&ndash;5 PM 
Reports To: CFO
About Us
Our client is not just another distributor; they&rsquo;ve been powering industries in Saudi Arabia since the 1950s. With 200+ employees and strong global partnerships in China and Turkey, they&rsquo;re proud to be a trusted name in industrial tire distribution across the Kingdom.
Now, they&rsquo;re modernizing and centralizing their Accounts Receivable &amp; Collections function at their Riyadh HQ, and they need a dynamic leader to drive this transformation. 
Job Description 
The Role 
 
They&rsquo;re looking for an Accounts Receivable, Credit &amp; Collections Manager to build and lead their newly established department. This is your chance to take ownership, shape policies, and guide a small but mighty team toward excellence. 
You&rsquo;ll be at the heart of their financial health, ensuring smooth credit approvals, timely collections, and strong client relationships while keeping their cash flow solid.<div>
What You&rsquo;ll Do 
 
 <ul><li>Lead and mentor a team of two junior collection specialists.</li><li>Oversee credit applications, set limits, and approve credit extensions.</li><li>Monitor receivables, minimize overdue balances, and keep cash flowing.</li><li>Build strong bridges between sales, finance, and clients to resolve issues.</li><li>Prepare clear reports on collections performance &amp; credit risk for management.</li></ul></div> 
Qualifications<div> 
What They&rsquo;re Looking For 
 
 <ul><li>Bachelor&rsquo;s in Accounting, Finance, or a related field.</li><li>Proven experience of 1-5 years in Accounts Receivable, Credit Control, or Collections management.</li><li>Strong leadership with proven team management skills.</li><li>&#65039; Excellent communication &amp; negotiation abilities with clients.</li><li>Native Arabic speaker (English proficiency is a plus).</li><li>&#65039; Riyadh-based or in Saudi Arabia and willing to relocate to Riyadh (on-site role).</li></ul></div><div>
Why Join Them? 
 
 <ul><li>Be the first to shape and lead a brand-new department.</li><li>Work directly with the CFO and influence big decisions.</li><li>Join a company with 70+ years of history and yet a forward-looking vision.</li><li>Room to grow in a well-established business.</li><li>30 vacation days annually.</li></ul></div>
Ready to make an impact? Apply now and take charge of the future of AR, Credit &amp; Collections in one of Saudi Arabia&rsquo;s leading distributors.</div>

We’re Hiring: Accounts Receivable, Credit & Collections Manager

Bank ABC

<div>
 
 Bank ABC seeks to recruit a Credit Administration Officer in the Head Office Credit Department based in our Head Office, in Bahrain.
 
 
 
 
 
 The Credit Administration Officer will be responsible for overseeing and managing the overall credit administration function in Bank ABC Head Office. This includes managing the credit documentation process, coordinating with internal stakeholders on credit matters and ensuring compliance with regulatory guidelines.
 
 
 
 
 
 
 
 Responsibilities of the role:
 
 
 
 
 
 
 
 Reporting to the Head of Head Office Credit Administration, the job holder will be responsible for the following:
 
 
 
 
 <ul>
 <li>
 Assist line manager to design and maintain credit administration policies and procedures in accordance with the regulatory requirements and industry best practices.
 </li>
 <li>
 Manage the credit documentation process, ensuring that all credit files are complete and accurate and comply with bank policies and regulatory guidelines.
 </li>
 <li>
 Work closely with credit risk, business and product teams to monitor and manage credit quality and portfolio risks and advise on post credit approval matters.
 </li>
 <li>
 Ensure credit files are maintained in an orderly, up-to-date, and easily retrievable manner.
 </li>
 <li>
 Maintain effective relationships with internal stakeholders in different functions across the bank, including credit, legal, compliance, operations, and risk management, to support and enhance the credit administration function.
 </li>
 <li>
 Maintain good relationships with external stakeholders, such as external auditors
 </li>
 </ul>
 
 
 
 
 
 
 Areas of Knowledge, Qualification and Experience
 
 
 
 
 
 
 <ul>
 <li>
 A minimum of 5 years of in wholesale banking, with at least 3 years in a credit administration environment.
 </li>
 <li>
 Bachelor's degree in finance, accounting, business administration, or a related field
 </li>
 <li>
 Strong analytical skills, including the ability to extract, analyse, and handle large amounts of data in a timely manner
 </li>
 <li>
 Good understanding of credit risk management concepts and principles
 </li>
 <li>
 Good understanding of regulatory requirements related to credit administration
 </li>
 <li>
 Excellent PC skills, particularly MS office and ability to present information
 </li>
 <li>
 Strong communication skills and interpersonal skills, and the ability to collaborate effectively with internal and external stakeholders.
 </li>
 <li>
 Ability to function under pressure in a fast-paced, dynamic environment.
 </li>
 <li>
 Work as a team member, good communication and presentation skills, accountability, transparent and open.
 </li>
 <li>
 Good organizational skills
 </li>
 <li>
 Good analytical and problem solving skills
 </li>
 <li>
 Good creative and innovative thinking skills
 </li>
 <li>
 Ability to work accurately, under high pressure within fixed and short timeframes, managing work deliverables
 </li>
 </ul>
 
 
</div>

Credit Administration Officer

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Credit Administration Officer