This role is responsible for leading the credit management agenda across emerging markets, with a strong focus on credit risk governance, working capital optimisation, and collections performance. Based in Cairo, Egypt, the position plays a critical regional role, partnering closely with commercial, finance, treasury, legal, and customer service teams to support sustainable growth while maintaining disciplined risk management.

Client Details

Our client is a well‑established multinational organization operating within a highly regulated and fast‑paced industry. The business has a strong regional footprint across the Middle East and is known for its commitment to operational excellence, robust governance standards, and long‑term investment in talent and leadership capability.

Description

· Lead and implement a regional credit management strategy aligned with business growth objectives and risk appetite

· Define, standardise, and maintain customer credit policies, approval frameworks, and governance standards across multiple markets

· Review and approve customer credit limits within delegated authority, escalating high-risk exposures with mitigation recommendations

· Monitor customer financial health, payment behaviour, concentration risk, and exposure trends across the portfolio

· Drive collections performance and DSO improvement across emerging markets

· Establish and track clear KPIs for collections teams and local finance functions

· Lead overdue debt recovery actions and manage escalation governance

· Partner with commercial leadership to resolve collection challenges while protecting cash flow and business interests

· Improve cash conversion cycles and overall working capital performance

· Oversee all customer-related banking instruments and trade finance mechanisms, including LCs, LGs, bank guarantees, documentary collections, and advance payment instruments

· Ensure robust controls over issuance, tracking, amendments, renewals, expiry management, and release of banking instruments

· Collaborate with treasury teams and banking partners to optimise trade finance processes

· Support contract reviews relating to payment terms and banking security clauses

· Establish and maintain strong credit governance, internal controls, and audit readiness across markets

· Drive standardisation and continuous improvement across order-to-cash and credit management processes

· Support automation, digitalisation, and ERP system enhancements related to credit and collections

· Act as a strategic business partner to commercial teams on payment terms, distributor risk, tenders, and major customer negotiations

· Deliver regular credit risk, working capital, and exposure reporting to regional leadership

· Coach and support local finance teams, building capability and consistency across markets

Profile

· Bachelor's degree in Finance, Accounting, Business Administration, or a related discipline

· 8 to 10 years of progressive experience in finance, with strong hands-on credit management leadership

· Regional or multi-country experience, ideally across emerging markets, Middle East, or Africa

· Proven experience within pharma, FMCG, healthcare, medical devices, or similar distribution-driven industries

· Solid experience in credit risk assessment, collections, working capital optimisation, and DSO improvement

· Strong ERP system exposure, with SAP experience highly preferred

· Ability to operate effectively in fast-paced, matrix, and cross-cultural environments

Job Offer

· Regional leadership role with high visibility across emerging markets

· Opportunity to shape and standardise credit governance at scale

· Exposure to complex commercial structures and senior stakeholders

· Strong organisational focus on process excellence and continuous improvement