credit portfolio manager

dulsco L.L.C

<p><i><b>Retail Credit Consultant</b></i></p><p>The Retail Credit Consultant is a strategic leadership role responsible for managing and optimizing the bank&rsquo;s retail credit portfolio in the UAE. Reporting to the Department Manager, this position ensures alignment of retail credit strategies with the bank&rsquo;s risk appetite, profitability goals, and regulatory requirements. The role involves developing credit policies, overseeing portfolio performance, ensuring compliance, and driving innovation in credit processes.</p><p><i><b>Key Responsibilities:</b></i></p><ul><li>Develop and implement retail credit policies and frameworks aligned with UAE Central Bank regulations.</li><li>Oversee and optimize the retail credit portfolio to ensure diversification, quality, and profitability.</li><li>Lead the design of credit scoring models and underwriting criteria to enhance decision-making accuracy.</li><li>Monitor portfolio risk, prepare analytical reports, and advise senior management on emerging trends.</li><li>Ensure compliance with regulatory standards and manage relationships with regulators and auditors.</li><li>Build and lead a high-performing credit team with focus on Emiratization, innovation, and talent development.</li><li>Drive digital transformation through automation, AI, and data analytics in credit decisioning.</li><li>Oversee collections and recovery strategies to minimize credit losses and enhance portfolio health.</li></ul><p><i><b>Qualifications &amp; Skills:</b></i></p><ul><li>Master&rsquo;s degree in Finance or related field with 12+ years&rsquo; experience in retail credit risk management.</li><li>Strong knowledge of UAE banking regulations, credit scoring, and portfolio management. Proven leadership in developing credit strategies and managing regulatory relationships.</li><li>Expertise in data-driven risk assessment, AI/ML in credit, and digital lending. Excellent communication, analytical, and stakeholder management skills.</li><li>Professional certifications (FRM, CFA) and GCC experience are advantageous.</li></ul><p>Job Types: Full-time, Permanent</p><p>Base Pay: AED20,000.00 - AED45,000.00 per month</p>

Retail Credit Consultant

Avana Companies

<div><p><b>Mission:</b><br>
The mission of a Credit Analyst, known internally as Portfolio Management Officer, is to monitor assigned loans within the loan portfolio ensuring accurate risk ratings are assigned, identifying early warning signals and recommending appropriate action. Portfolio Management Officers also monitor and administer construction loans in accordance with standards outlined in credit policy. By doing this, they ensure the stability, profitability, and regulatory compliance of the loan portfolio while effectively managing risk and maximizing shareholder value.</p>
<p><b>Key Results</b></p>
<ul><li>Maintain 90% compliance rate for loan reviews</li>
<li>QC and process construction draw requests within 5 business days of receiving the inspector&rsquo;s final report</li>
<li>Ensure 100% of loan extensions are processed, or loan is handed over to Special Assets, prior to loan maturity</li>
</ul>
<p><b>Core Competencies</b></p>
<ul><li>Analytical Thinking</li>
<li>Attention to Detail</li>
<li>Collaborating with Others</li>
<li>Decision Making</li>
<li>Problem Solving</li>
</ul>
<p><b>Responsibilities</b></p>
<ul><li>Conduct periodic credit risk analyses of assigned loans within the loan portfolio, ensuring accurate risk ratings are assigned.</li>
<li>Engage with clients proactively and independently to gather the information necessary to complete analyses and make informed decisions.</li>
<li>Draft and present clear credit in written loan reviews that accurately capture the credit risk of each loan including the financial capacity of the borrower, the performance of the property and the current value of collateral.</li>
<li>Utilize US based resources to assess risk exposure within the loan portfolio, including probabilities of default and loss given default.</li>
<li>Monitor the performance of assigned loans within the loan portfolio, identifying early warning signals and recommending appropriate action.</li>
<li>Conduct industry research and analysis to understand market trends and identify potential risks.</li>
<li>Monitor and administer construction loans, including tracking budgets, monitoring completion schedules, reviewing third-party reports and ensuring draws are funded timely.</li>
<li>Ensure compliance with all relevant laws, regulations and internal policies.</li>
<li>Communicate effectively with internal stakeholders to provide updates on portfolio performance and risk trends.</li>
<li>Stay informed about changes in regulatory requirements and industry best practices to maintain compliance and mitigate legal and regulatory risks.</li>
<li>Travel may be required for training purposes.</li>
</ul>
<p><b>Requirements</b></p>
<ul><li>Minimum 3 years of experience in commercial lending, preferably with a focus in commercial real estate and hospitality</li>
<li>Bachelor's degree Finance or Accounting with strong academic record</li>
<li>Strong analytical skills with the ability to interpret complex financial data and identify key risk factors</li>
<li>Ability to work independently with minimal supervision</li>
<li>Strong attention to detail and ability to identify discrepancies in data</li>
<li>Proficiency in financial software, data analytics tools, and spreadsheet applications (such as Excel)</li>
<li>Excellent verbal and written communication skills in English with the ability to articulate findings and recommendations effectively and concisely</li>
<li>Ability to work in a fast-paced and multi-national environment</li>
<li>Ability to multi-task, solve problems and think quickly</li>
<li>Willing to work US hours (i.e. 4:00 pm to 1:00 am Bahrain Time)</li>
<li><b>Job</b>: Full Time</li>
<li><b>Type</b>: Usually Work From Office, Friday is working and weekly off is on Saturday &amp; Sunday's.</li>
<li><b>Holiday: </b>Not Bahrain holidays, it will be mostly US or based on business requirements</li>
<li><b>Work Permit:</b> Candidate should have required work permit for Bahrain.</li></ul></div>

Credit Analyst / Portfolio Management Officer (Bahrain)

Arab Banking Corporation

<p><strong>Principal Responsibilities, Accountabilities and Deliverables of Role:</strong></p>
<p>1. Credit portfolio management 65% The Credit Risk supports Head of Credit Risk who supports the first line of defense across a number of geographies either as a principle or secondary point of contact. The GCA is to work across all types of transaction including sovereign, corporate and financial institutions. The GCA is to provide support in terms of interpretation of the Group Credit Policy its related Standards and Procedures. The GCA is available for consultation on Credit Application Forms (CAF) as to whether the CAF is adequate in terms of its explanation and mitigation of the risks associated with the transaction under discussion. On submission of the CAF the GCA ensures that it is in compliance with group policies and requirements. Comments on any deficiencies and indicates a level of support, be it positive, negative or conditional for the submission. On a sample basis (minimum of 10%) the GCA ensures that spreadsheets have been compiled correctly, covenants have been complied with and any additional conditionality delivered. The GCA is to ensure that any documentation outstanding on the OOO (Out of Order) report is covered in the CAF and reasons provided to mitigate any potential risk. The GCA is to monitor developments in the countries he/she covers. There is an expectation of travel to the countries on an annual basis with such visits informing the annual review of the bank s exposure in that country. The GCA is to monitor the completeness of the annual reviews from a country and ensure that they are delivered on a timely basis. From time to time the GCA will be required to assisst in delivery of reports on sectors within a country or assist in the compilation of a wider report across many jurisdictions. As part of the portfolio management process the GCA must identify any relationships or sectors that could result in elevated credit risk or non-repayment of the borrower s obligations. All such names must appear on the report Accounts Requiring Close Monitoring before being downgraded to a Risk Rating 8.</p>
<p>2. Risk related project management 15% Risk related projects can comprise a number of items from a single item; such as a report amendment adding to the efficiency or effectiveness of the department, to providing input on a multi-million dollar transformational project. In either instance the GCA is to provide assistance and support as part of the general day to day business. The GCA is be expected to record his contribution to projects for evaluation as part of the career management process.</p>
<p>3. Development 20% GCA must ensure that they are receiving appropriate training from either internal or external sources. The GCA must attend at least one course per annum from an external provider and take regular internal seminars or presentations from subject matter experts.</p>
<p><strong>Job Context:</strong></p>
<p>The job holder is expected: Recognise the need to balance risk-prudence with actual market-practices/pressures and support growth of a sustainable well managed risk portfolio. Understand risk strategy and appetite documents. Monitor and analyse bank s corporate credit portfolio and names. Demonstrate compliance with the bank s policies, standards and procedures. Awareness of regulatory requirements in DIFC, Bahrain and beyond.</p>
<p><strong>Job Requirements:</strong></p>
<p><strong>Knowlegde:</strong> Good knowledge of basic credit product, risks and key aspects of legal documentation. Good knowledge of corporate and bank balance sheet analysis techniques</p>
<p><strong>Education/Certifications:</strong> Degree with an element of finance or equivalent, Institute of Bankers associate or equivalent</p>
<p><strong>Experience:</strong> Seasoned corporate credit professional (who understands financial as well as other key credit matters) with significant experience (10 years +) of UAE/ GCC corporates, market knowledge, UAE/GCC credit contacts along with good stakeholder management skills.</p>
<p><strong>Personal Attributes:</strong> Work as team member, good communication and presentation skills, accountability, transparent and open</p>

Credit Risk - DIFC

Standard Chartered Bank

<div><div><div><div><div><div><div><div><p>Job ID: 42521
 </p><p>Location: Mumbai, IN
 </p><p>Area of interest: Retail Banking
 </p><p>Job type: Regular Employee
 </p><p>Work style: Office Working
 </p><p>Opening date: 23 Oct 2025
</p></div>
</div></div></div></div></div></div><p></p><div><div><div><div><div><div><div><div><b>Job Summary</b></div>
</div><div><div><b>
Monitor portfolio quality and facilitate smooth functioning of business with risk</b><br>
<ul><li>Ensure timely login</li><li>Co-ordinate for timely approvals</li><li>Train analysts on due diligence</li><li>Ensure adequate BCA quality</li><li>Compliance of regulatory and governance requirements</li><li>Manage portfolio quality through timely completion of QPR, CART, Valuations, UFCE undertakings etc</li></ul></div></div></div><div><div><div><b>
Key Responsibilities</b></div>
</div><div><div><b>
Credit Process</b><br>
<ul><li>Ensuring that the quality of Limit Applications (BCAs) meets Group standards, particularly with regards to the completeness and depth of risk analysis.</li><li>Approving BCAs falling within own discretion and support of applications that require approval outside the delegated credit authority, where appropriate.</li><li>Highlighting/Approving breaches of applicable Risk Authorities Policy and Local Lending Policy.</li><li>Undertake regular customer visits to better understand the business environment.</li><li>Maintain Turn-around Time of BCA approvals.</li></ul></div>
<div><b>
Portfolio Management</b><br>
<ul><li>Ensuring compliance with all credit policy and Risk Authorities Policy and any divergence to be appropriately highlighted/approved.</li><li>Ensure EAR process is adhered to and participate in the monthly EAR &amp; ASTAR discussions. Assisting relationship managers in identification and managing of accounts exhibiting signs of deterioration and assist Group Special Assets Management, where appropriate, in managing stressed accounts to maximise recoveries and minimise losses.</li><li>Support all portfolio related analysis for various reviews initiated within/outside the country.</li></ul></div>
<div><b>
Business Contribution</b><br>
<ul><li>Increasing working profits through effective management of the loan asset portfolio in order to help develop the franchise in a sustainable way and minimise provisions.</li><li>Maximizing Economic Revenue and minimizing Economic Loss through effective management of the risk/reward relationships.</li><li>Maintaining credit quality and standards of professionalism for the risk function.</li><li>Ensure effective implementation of Group Policies / Circulars / Procedures.</li><li>Participate actively in any group initiative to improve systems and processes</li><li>Regularly attending and making meaningful contribution to the Regional Credit Issues Forum.</li></ul></div></div></div><div></div><div><div>
</div><div><div><b>
Stakeholder Management</b><br>
<ul><li>Actively engage all stakeholders (eg. Business partners) to raise their awareness of credit issues and how these are managed by the Credit Risk function.</li><li>Ensure that Credit Risk decisions are transparent and supporting rationales are explained in a professional and courteous manner, especially when turning down proposals.</li></ul></div>
<div><b>
Operational Risk Management Assurance (ORMA)</b><br>
<ul><li>Ensure compliance to the ORMA framework (self-assessments, KRIs, KCSs, etc) and reporting.</li><li>Ensure full awareness of all the policies &amp; procedures issued in relation to money laundering prevention. Ensure compliance with these policies &amp; procedures on an ongoing basis and immediately report any deviations to the Supervisor</li></ul></div>
<div><b>
Others</b><br>
Live by values and brand promise 'Here for Good'.</div>
<div><b>
People and Talent</b><br>
<ul><li>Managing a Team of 24 Credit Analysts and work closely with them which enables monitoring of portfolio quality</li><li>Lead through talent and build the culture and values.</li><li>Ensure ongoing training and development</li><li>Employ, engage and retain high quality talent</li></ul></div>
<div><b>
Risk Management</b><br>
<ul><li>Monitor all major risk issues and concentrations. Where appropriate, direct remedial action and/or ensure adequate reporting to Risk Committees</li></ul></div></div></div><div></div><div><div>
</div><div><div><b>
Governance</b><br>
<ul><li>Promote an environment where compliance with internal control functions and the external regulatory framework is a central priority of the business</li></ul></div>
<div><b>
Regulatory &amp; Business Conduct</b><br>
<ul><li>Display exemplary conduct and live by the Group&rsquo;s Values and Code of Conduct.</li><li>Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.</li><li>Lead the work to achieve the outcomes set out in the Bank&rsquo;s Conduct Principles: Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment.</li><li>Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.</li></ul></div>
<div><b>
Key Stakeholders</b><br>
<b>Internal</b><br>
<ul><li>Risk</li><li>CRC</li><li>Audit</li></ul></div>
<div><b>
External</b><br>
<ul><li>As and when necessary</li></ul></div></div></div><div><div><div><b>
Qualifications</b></div>
</div><div><ul><li>Substantial experience in the banking industry, including demonstrated success in a similar role.</li><li>Must possess sharp business acumen (including ability to assess risk and appropriate levels of return), excellent interpersonal skills and multi-cultural awareness and sensitivity.</li><li>Ability to work with geographically dispersed and highly varied stakeholders</li><li>At least 10 to 15 years of relevant experience in lending to SME&rsquo;s / Mid Corporates preferably in West</li></ul></div></div><div><div><div><b>
Skills and Experience</b></div>
</div><div><ul><li>Risk Understanding</li><li>Relationship skills</li><li>Negotiation skills</li><li>Stakeholder Management</li></ul></div></div><div></div><div><div><div><b><br>
About Standard Chartered</b></div>
</div><div><div>
We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.</div>
<div>Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.</div>
<div>Together we:</div>
<ul><li><b>Do the right thing</b> and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do</li>
<li><b>Never settle,</b> continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well</li>
<li><b>Are better together,</b> we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term</li>
</ul></div></div><div><div><div><b>What we offer</b></div>
</div><div><div><b>
In line with our Fair Pay Charter,</b> we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.</div>
<ul><li><b>Core bank funding for retirement savings, medical and life insurance,</b> with flexible and voluntary benefits available in some locations.</li>
<li><b>Time-off</b> including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.</li>
<li><b>Flexible working</b> options based around home and office locations, with flexible working patterns.</li>
<li><b>Proactive wellbeing support</b> through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits</li>
<li><b>A continuous learning culture</b> to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.</li>
<li><b>Being part of an inclusive and values driven organisation,</b> one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.</li>
</ul></div></div></div>
</div></div></div></div><div><div><p>www.sc.com/careers</p></div></div></div><div></div>

Credit Analyst Team Leader - SME ME

EMKAN | إمكان

<div>
 <p>
  Job Brief:
 </p>
 <p>
  To identify and manage credit risks. To develop and implement of a comprehensive and effective credit risk management framework that meets established internal standards, aligns with industry best practice and Ekman&rsquo;s risk profile. To support credit strategy implementation through development of policy, monitoring and forecasting credit portfolio risk.
 </p>
 <p>
  Job Responsibilities:
 </p>
 <ul>
  <li>
   Develop the annual business plans for the department ensuring alignment to the function&rsquo;s strategic plan.
  </li>
  <li>
   Contribute to the formulation and implementation of the strategy in line with EMKAN&rsquo;s vision, mission and Business Focus Areas.
  </li>
  <li>
   Report on the progress of activities against the annual business plans, opportunities, challenges and issues faced, mitigations taken, etc. as required, to facilitate informed decision-making.
  </li>
  <li>
   Build and lead a motivated, engaged and competent manpower throughout the division, by setting priorities and objectives, managing performance, and providing ongoing feedback and coaching to meet the departmental challenges and goals.
  </li>
  <li>
   Serve as a role model for the Credit Risk to ensure employees awareness and commitment to EMKAN&rsquo;s vision, mission, values, EMKAN fundamentals and corporate strategy to establish a highly engaged and motivated manpower, and continuously improve performance.
  </li>
  <li>
   Manage Credit Risk staff and teams by overseeing their performance management, recruitment, training and development to ensure high levels of engagement and competence and motivated work environment.
  </li>
  <li>
   Manage employee performance and development by assigning individual performance targets and development objectives at least on an annual basis.
  </li>
  <li>
   Direct and supervise the activities and work of subordinates by providing formal and informal feedback regularly and on a timely basis, to ensure that all work is carried out in an efficient manner and in accordance with set individual targets
  </li>
  <li>
   Recommend an optimum organization structure for the Credit Risk in coordination with the Human Resource Department, to ensure efficient and effective workflow of operational processes and optimal utilization of resources.
  </li>
  <li>
   Collaborate with Human Resource department in development of business unit&rsquo;s manpower plan to ensure timely and best-of-class delivery of tasks.
  </li>
  <li>
   Prepare and recommend the department&rsquo;s budget in alignment to the respective annual business plan.
  </li>
  <li>
   Oversee costs and activities are monitored on a regular basis highlighting any relevant opportunities and issues, to facilitate appropriate decision-making in line with changing priorities.
  </li>
  <li>
   Manage the implementation and contribute towards the development of Credit Risk policies, systems, processes, procedures and controls covering all areas of the function so that all relevant procedural/legislative requirements are fulfilled while delivering a quality, cost-effective service in a consistent manner.
  </li>
  <li>
   Manage the continuous improvement of existing policies, processes and procedures to drive incremental benefits through efficiencies and better insights and analysis.
  </li>
  <li>
   Build high levels of trust and understanding with internal and external stakeholders to promote full compliance with industry regulations and promote broader understanding of EMKAN interests and practices.
  </li>
 </ul>
 <p>
  Qualification and Experience:
 </p>
 <ul>
  <li>
   Bachelor&rsquo;s degree in Finance, Business Administration, or any other relevant field (Master&rsquo;s degree is preferred).
  </li>
  <li>
   Minimum of 10-12 years of relevant experience in Credit Risk Function.
  </li>
 </ul>
</div>


Senior Credit Risk Manager

Pentabell

<p>Our Client is a leading innovator in the Payment industry and Card<br/>Processing, dedicated to transforming the way financial transactions are processed.<br/>Their solutions drive efficiency, security, and convenience for banks and financial<br/>institutions worldwide. As they expand their presence in Saudi Arabia, we are<br/>seeking a seasoned professional to lead and manage cards portfolio initiatives for<br/>one of their key cards portfolios.<br/>Job Summary: This role involves strategic management of client relationships,<br/>ensuring high levels of satisfaction and engagement, and driving revenue growth<br/>through tailored portfolio management initiatives. The ideal candidate will possess<br/>Strategic advisory and execution support for cards portfolio optimization initiatives<br/>spanning across key KPIs like ENR, spend, authorization etc. to drive growth in card<br/>activation, customer engagement, utilization, balance build through strategic<br/>planning, campaign execution, and portfolio optimization leveraging data analytics,<br/>merchant partnerships and other lifecycle management tools</p><p>Mandatory Requirements:<br/>&#61623; Cards Cross-border payments, e- commerce, and merchant partnerships<br/>&#61623; Campaign planning, Campaign execution, customer segmentation, and<br/>performance analytics</p><p>Key Responsibilities:<br/>&#61623; Client Relationship Management:<br/>o Develop and maintain strong, long-term relationships with senior<br/>stakeholders at the bank.<br/>o Conduct regular business reviews and strategy sessions with clients to<br/>identify opportunities for growth and improvement.</p><p>&#61623; Portfolio Management:</p><p>o Analyze portfolio trends and develop strategies to improve activation,<br/>usage and retention<br/>o Optimize portfolio performance through segmentation, targeting, and<br/>offer personalization. Provide execution support for campaign rollout,<br/>tracking, and reporting.<br/>o Support the initiatives related to customer engagement &amp; balance<br/>build. This includes end to end management of campaigns across<br/>channels to grow spends and balances<br/>o Design and implement lifecycle campaigns and customer engagement<br/>programs and be responsible for end to end campaign management<br/>and driving appropriate customer communication.<br/>o Collaborate with internal stakeholders and external partners to ensure<br/>smooth execution of all campaign and offers<br/>o Liaise with internal and stakeholders to align on campaign objectives<br/>and KPIs. Ensure compliance with internal approvals and regulatory<br/>requirements.<br/>o Help manage the financial performance of the credit card portfolio.<br/>Develop financial forecasts and budgets, monitor actual performance<br/>vs. targets &amp; identify opportunities to mitigate any headwinds<br/>o Collaborate with MIS teams to improve existing reports and develop<br/>new set of reports; prepare and present regular reports and<br/>presentations to senior management and clients.</p><p>&#61623; Product and Solution Development:<br/>o Support in launching new products and improve existing by tracking<br/>product&rsquo;s KPIs like: profitability and acquisition through different<br/>channels<br/>o Collaborate with internal teams to tailor payment solutions that meet<br/>the specific need of client.<br/>o Provide feedback to product development teams based on client<br/>requirements and market trends.<br/>o Stay informed about industry developments and emerging technologies<br/>to offer innovative solutions to clients.</p><p>Qualifications:</p><p>&#61623; Education: Bachelor&rsquo;s degree in Business Administration, Finance, or a<br/>related field; Master&rsquo;s degree or relevant professional certifications (e.g., PMP,<br/>CFA) preferred.<br/>&#61623; Experience: 8 -10 years in banking, payments, or consulting with a focus on<br/>credit card portfolio optimization, digital engagement, card product<br/>management (Regional experience preferred). Knowledge of Cards P&amp;L,<br/>Revenue, Loyalty programs and campaign management will be a big plus.<br/>&#61623; Skills:<br/>o Proven track record of managing and growing large client portfolios.<br/>o Strong understanding of payment systems, financial products, and<br/>banking operations.<br/>o Excellent communication, negotiation, and interpersonal skills.<br/>o Ability to analyze complex data and develop strategic solutions.<br/>o Leadership and team management capabilities.<br/>o Fluency in English and Arabic is preferred.</p><p>Benefits:<br/>&#61623; Competitive salary and performance-based incentives<br/>&#61623; Comprehensive health and wellness benefits<br/>&#61623; Retirement savings plan<br/>&#61623; Professional development and training opportunities<br/>&#61623; Flexible working arrangements</p><p>Job Types: Full-time, Contract<br/>Contract length: 12 months</p><p>Pay: &#65020;25,000.00 - &#65020;50,000.00 per month</p><p>Language:</p><ul><li>Arabic (Required)</li><li>English (Required)</li></ul>

Cards Portfolio Manager

Pernod Ricard

<div><p><b>Pernod Ricard is Conviviality</b></p><p></p><p>
We are <b><i>Cr&eacute;ateurs de convivialit&eacute;</i></b><b>.</b> Conviviality is what makes us unique.</p><p></p><p>
It's a key part of our culture as a Company and is something that people can truly understand and experience once they join Pernod Ricard. When working on our refreshed EVP, we wanted to make sure to capture this essence and incorporate it into our storytelling going forward, to proclaim it: &ldquo;Conviviality, it&rsquo;s our thing.&rdquo;</p><p></p><p><b>
Location: </b>&#304;stanbul<br>
<b>Department: </b>Finance</p><p><b>
Program Duration:</b> Initially 12 months, extendable for an additional term based on performance.</p><p></p><p><b>
Objective</b></p><p></p><p>
As part of Pernod Ricard T&uuml;rkiye&rsquo;s Shake Your Future Management Trainee Program, the Credit &amp; Commercial Finance Controlling MT will take part in key financial and commercial processes that support the company&rsquo;s growth. This role offers hands-on experience in credit control, sales finance, and commercial performance analysis, while working closely with both Finance and Sales teams to ensure efficient and insightful financial operations.</p><p></p><p><b>
Main Responsibilities</b></p><p></p><ul><li>Support credit control operations including customer performance tracking, DSO analysis, and collection follow-up.</li><li>Assist in preparing financial and profitability reports for distributors and customers.</li><li>Contribute to commercial finance analyses, providing insights on sales trends, volumes, and promotional activities.</li><li>Collaborate with FP&amp;A and Sales teams to ensure accurate and timely financial planning and forecasting.</li><li>Participate in the month-end closing process by preparing and reconciling relevant financial data.</li><li>Support systemic and process improvement projects within finance and controlling functions.</li><li>Take an active role in cross-functional collaboration, enhancing communication between sales and finance departments.</li><li>Operate daily Credit Control process</li><li>Create and maintain customer adress book</li><li>Assist in collection processes, ensuring the accuracy and timely validation of data shared with distributors.</li><li>Act as the primary contact for distributor relations, handling phone and email inquiries, verifying payments, and confirming collateral.</li></ul><p></p><p><b>
Requirements</b></p><p></p><ul><li>Bachelor&rsquo;s degree in Business Administration, Economics, Finance, or a related field (Master&rsquo;s degree is a plus)</li><li>New graduate or maximum 1 year of experience in Finance, Controlling, or a similar analytical field (preferably FMCG sector)</li><li>Strong analytical mindset and attention to detail</li><li>Proficiency in MS Excel; familiarity with Power BI, ERP, or CRM systems is an advantage</li><li>Excellent communication and collaboration skills</li><li>Curious, proactive, and eager to learn within a dynamic environment</li><li>Fluent in English</li></ul><p></p><p><b>
What We Offer</b></p><p></p><ul><li>A unique opportunity to experience both Credit Control and Commercial Finance Controlling in one role</li><li>Continuous learning and development through the Shake Your Future MT Program</li><li>A dynamic and inclusive work environment where you can grow and contribute to shaping the future of Pernod Ricard T&uuml;rkiye</li></ul><p></p><p><b>
Where Conviviality is at work?</b></p><p></p><p><b>
Collective Spirit:</b> Conviviality is in our DNA and connects us beyond borders. The more diverse we are, the better we are at shaping the future of our industry. At our table, we have fun and bring a performance mindset to our work. We feel proud to continue the legacy of our group and iconic brands.</p><p></p><p><b>
Craft Your Path: </b>Our people enjoy coming together and transforming obstacles into opportunities. Everyone is empowered to do their best work and we nurture an enthusiasm for innovation and growth. Here, you will own your career and have access to unique opportunities to craft the path you want to take.</p><p></p><p><b>
Cultivate The Future:</b> We&rsquo;re a business with a soul. We care deeply about each other, our communities and our planet. We cherish the land where our products are grown and are committed to bringing good times from a good place. Being responsible in a safe and sustainable way is at the core of everything we do.</p><p></p><p><b>
Building a Workplace of Inclusion</b></p><p>
In line with the Group&rsquo;s core values, all recruitment processes are guided by the PR Leadership Attributes and the technical skills required for the role, ensuring fairness and eliminating any potential bias in candidate evaluation.</p><p></p><p><b>
Job Posting End Date:</b></p>
2025-10-10<p></p><p><b>
Target Hire Date</b><b>:</b></p>
2025-11-11<p></p><p><b>
Target End Date</b>:</p>
2025-11-12</div>

Credit & Commercial Finance Controlling MT

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