Credit Manager

SPORTLUX; Dubai; On-site; AED 300,000 - 600,000; Full time

Job summary

Sportlux in Dubai seeks an experienced Head of Credit to own the group credit policy and end-to-end credit management across multi-entity operations in the Middle East and Europe. You will set limits, ratings, and release decisions, run collections, manage credit insurance, and deliver weekly working capital reporting.

You will lead a cross-border team, collaborate with commercial, finance and logistics, and ensure risk is controlled while supporting growth across wholesale and e-commerce

Qualifications

• 8+ years in credit management, including 3+ leading a credit function.
• Recognised credit qualification (CICM) or qualified accountant (CA/ACCA/CPA).
• Wholesale or distribution with cross-border team exposure; multi-currency environment.

Responsibilities

• Design, document and maintain the group credit policy; decide exceptions within delegated authority.
• Own customer master data control: credit terms, credit ratings and periodic portfolio review.
• Own all credit approvals end-to-end: credit rating, limits, order acceptance and release/block decisions.
• Own group credit insurance: cover levels, insurer relationship, claims.
• Drive collections: set targets, forecast, weekly cadence, escalation and recovery including legal paths.
• Propose bad debt provisions with documented rationale for CFO approval.
• Produce the receivables and collection cash flow forecast and weekly working capital report.

Skills

Credit management

Leadership

Policy design

Data-driven decisions

Education

CICM qualification

CA/ACCA/CPA

Tools

Dynamics 365 Business Central

Job description

About Sportlux

Sportlux is a multi-entity fashion group operating internationally licensed apparel and footwear brands across the Middle East and Europe, with wholesale, e-commerce marketplace and retail channels.

Purpose

Own credit and collection for the group end-to-end — policy and execution in one seat. You set the credit policy, make every limit, rating, release and block decision, own the group's credit insurance programme, and run collections through a small cross-border team. You are the single owner of the group DSO number and of the weekly working capital report.

Key responsibilities

• Design, document and maintain the group credit policy; decide exceptions within delegated authority and escape beyond it.
• Own customer master data control: account creation, credit terms, credit ratings and periodic portfolio review.
• Own all credit approvals end-to-end: customer credit rating, credit limits, order acceptance from a credit standpoint, and release and block decisions — including major e-commerce marketplace and key wholesale accounts. The commercial team triggers the credit gate; the decision sits with you.
• Own group credit insurance: cover levels, insurer relationship, limit applications, claims, and the discipline of shipping within insured limits.
• Drive collections: set collection targets and the monthly collection forecast by customer, run the weekly collection cadence with the team, own escalation and recovery including legal escalation with counsel.
• Propose bad debt provisions with documented rationale for CFO approval; entries are booked independently by the accounting team.
• Produce the receivables and collection cash flow forecast feeding the group cash flow, and a weekly working capital report identifying cash tied up across the order-to-cash and inventory cycle, with named actions.

What this role is not

• Billing, cash application and receivables accounting sit with a separate AR operations team; disputes are logged there and routed to this role for decision.

Requirements

• 8+ years in credit management, including 3+ leading a credit function; recognised credit qualification (e.g. CICM) or qualified accountant (CA / ACCA / CPA).
• Hands-on credit insurance experience — policy management, limit applications and claims — is essential.
• Wholesale or distribution background with key account and marketplace exposure; multi-entity, multi-currency environment; experience managing a cross-border team.
• ERP fluency (Microsoft Dynamics 365 Business Central an advantage); able to defend a block decision with data under commercial pressure.

Success measures

Group DSO · overdue percentage of receivables · bad debt against provision · insured cover ratio on shipped exposure · collection effectiveness · working capital days.