Regional leadership role with strong visibilityOpportunity to shape credit governance at scaleAbout Our ClientOur 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.Job 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 marketsThe Successful Applicant 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 environmentsWhat's On 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 improvementContact: Cheyenne CoutinhoQuote job ref: JN-052026-7024199