Analyst – Credit Control

Job Type: Full Time
Location: Dubai, UAE
Industry: Luxury Retail / Fashion / FMCG
Function: Finance – Credit Control & Accounts Receivable
Nationality: Any
Salary: Competitive (based on experience)

Chalhoub Group is seeking a detail-oriented and analytical Credit Control Analyst to support the Group Credit Control function across its multi-brand, multi-entity retail portfolio. The role is critical in protecting cash flow, minimizing credit risk, improving working capital, and supporting sustainable growth across brands and joint ventures.

Key Responsibilities

Credit Risk Assessment & Control

• Assess customer creditworthiness using:

  • External credit bureau and agency reports

  • Historical payment behavior and AR aging trends

  • Available financial statements and commercial data

• Recommend credit limits, payment terms, and risk classifications in line with Group Credit Policy.

• Conduct periodic credit reviews and proactively flag deteriorating risk profiles.

• Support Expected Credit Loss (ECL) analysis through accurate risk grading and overdue exposure inputs.

Accounts Receivable & Collections

• Coordinate with Sub-Verticals and Commercial teams to ensure timely collection of receivables.

• Follow up on overdue and high-risk balances through structured dunning and direct customer engagement.

• Resolve disputes, unapplied cash, and payment mismatches in coordination with internal stakeholders.

• Escalate materially overdue or high-risk accounts according to defined governance thresholds.

Stakeholder Coordination

• Work closely with Commercial, Commercial Finance, Legal, and Tax teams to:

  • Align on customer onboarding and credit terms

  • Support contract reviews and credit approval processes

• Maintain strong professional relationships to balance cash collection discipline with commercial partnerships.

Reporting, Governance & Controls

• Prepare and maintain AR aging, overdue analysis, and credit risk exposure reports.

• Ensure accuracy and completeness of Credit Master Data and Collections Master Data, including:

  • Credit limits and payment terms

  • Credit scores and risk ratings

  • Collection agents and customer contact details

• Support month-end closing activities in compliance with audit requirements.

• Assist in audit requests and ensure adherence to internal controls and governance standards.

• Contribute to process improvement, automation, and system transformation initiatives (ERP enhancements).

Requirements

Education & Certification

• Bachelor’s Degree in Finance, Accounting, Business Administration, or related field.

• ACT / CICM certification is preferred.

Experience

• 2–3 years of experience in Credit Control or Accounts Receivable within a fast-paced, multi-entity environment.

• Retail, FMCG, wholesale, or distribution experience is strongly preferred.

• Exposure to regional or multi-country operations is an advantage.

Skills & Competencies

• Strong understanding of credit risk assessment and AR management.

• Analytical mindset with the ability to interpret financial data, payment trends, and aging reports.

• Excellent communication and negotiation skills with a strong sense of ownership.

• High attention to detail and compliance orientation.

• Advanced Excel proficiency; ERP experience (Oracle or SAP) is a strong advantage.

What Chalhoub Group Offers

• Career growth through learning, development, and internal mobility across a diverse portfolio.

• Competitive benefits package including:

  • Health insurance

  • Child education contribution

  • Flexible and remote working policies

  • Exclusive employee discounts

• A people-first, inclusive culture certified as a Great Place to Work®.

About Chalhoub Group

Founded in 1955, Chalhoub Group is the leading partner for luxury across the Middle East, managing over 400 international brands and operating 950+ stores and digital platforms. The Group is a pioneer in omnichannel retail, sustainability, and innovation, with a commitment to Net Zero by 2040.