Royz Group is seeking an experienced, analytical, and commercially focused Credit Manager to join its team in Dubai, United Arab Emirates. The successful candidate will be responsible for overseeing credit-management activities, assessing customer creditworthiness, monitoring outstanding balances, supporting effective credit controls, and working with internal teams to manage receivables and credit-related matters.
This role is suitable for a finance professional with strong analytical and decision-making skills and a solid understanding of credit assessment, risk monitoring, collections coordination, and financial controls. The ideal candidate should be detail-oriented, commercially aware, and able to balance business requirements with responsible credit practices.
Key Responsibilities:
- Manage day-to-day credit-control and credit-management activities.
- Establish and maintain appropriate credit procedures in line with company policies.
- Review customer credit applications and supporting financial information.
- Assess customer creditworthiness using financial and commercial information.
- Recommend suitable credit limits and payment terms based on approved procedures.
- Monitor customer accounts, outstanding balances, aging reports, and payment patterns.
- Identify overdue accounts and coordinate appropriate follow-up actions.
- Work closely with sales, finance, accounts receivable, and management teams on credit-related matters.
- Review customer payment history and identify potential credit concerns.
- Monitor credit exposure and provide regular updates to management.
- Support the development and maintenance of customer credit profiles.
- Coordinate with relevant teams to resolve account discrepancies and payment issues.
- Assist with collections activities and escalation of significantly overdue accounts.
- Review requests for changes to credit limits or payment terms.
- Prepare credit reports, aging analysis, and management summaries.
- Identify trends in receivables and recommend improvements to credit processes.
- Maintain accurate and confidential credit records and documentation.
- Support financial audits by providing relevant credit and receivables information.
- Ensure credit-related documentation is complete, accurate, and properly maintained.
- Assist with developing internal controls to reduce credit and collection risks.
- Provide guidance to relevant teams on credit procedures and customer account requirements.
- Perform other credit-management duties assigned by senior management.
Qualifications:
- Bachelor’s degree in Finance, Accounting, Business Administration, Economics, or a related field.
- Relevant experience in credit management, credit control, accounts receivable, banking, or financial services.
- Strong knowledge of credit assessment and customer account management.
- Experience reviewing financial statements and evaluating customer creditworthiness.
- Good understanding of receivables, aging analysis, payment terms, and credit exposure.
- Strong analytical and numerical abilities.
- Excellent negotiation and communication skills.
- Ability to make informed credit-related recommendations.
- Strong attention to detail and accuracy.
- Good understanding of financial controls and credit procedures.
- Proficiency in Microsoft Office, particularly Excel.
- Experience with ERP, accounting, credit-management, or financial systems is an advantage.
- UAE or Dubai credit-management experience is an advantage.
- Relevant professional qualifications in finance, accounting, or credit management are beneficial.
Key Skills:
- Credit Management
- Credit Risk Assessment
- Credit Control
- Customer Credit Analysis
- Accounts Receivable
- Aging Analysis
- Financial Statement Analysis
- Credit Limit Management
- Payment Monitoring
- Collections Coordination
- Risk Monitoring
- Financial Reporting
- Negotiation
- Analytical Thinking
- Decision Making
- Communication Skills
- Problem Solving
- Microsoft Excel
- ERP Systems
- Confidentiality
Salary and Benefits:
Salary: Not Disclosed
The salary for the Credit Manager position may depend on the candidate’s qualifications, relevant experience, credit-management expertise, and overall suitability for the role. Candidates can confirm the applicable compensation and employment terms during the recruitment process.
Why Join Royz Group?
The Credit Manager role at Royz Group offers an opportunity for a finance professional to contribute to credit operations, customer-account management, financial controls, and business decision-making in Dubai.
The position provides exposure to credit assessment, receivables monitoring, customer financial analysis, risk management, and collaboration with finance and commercial teams. It is suitable for a professional looking to apply strong analytical and financial-management skills in a business environment.