وظيفة مدير الائتمان والتحصيل شاغرة لدى Trivers في الرياض

The Job Summary

The Credit & Collection Manager is responsible for managing BTC credit &collection operation; analyzing credit risk and managing collection of outstanding debts; assessing creditworthiness, setting credit limits, implementing collection strategies, and ensuring compliance with company policies and regulations; leading and developing a team of credit and

collection professionals to optimize cash flow, minimize bad debt, and maintain positive relationships with customers.

Key Responsibilities & Accountabilities

1) Credit & Collection Operation & Reporting

 Manage BTC credit and collection operation collaborating with customers and internal stakeholders ensuring accuracy, integrity and transparency

C O M P E T E N C Y - B A S E D J O B D E S C R I P T I O N

2 Competency-based Job Description - Credit & Collection Manager

with a primary objective of enhancing customer experience.

 Actively participate in development and implementation of credit and collection strategy and plans to achieve the required organizational goals.

 Set customer communication parameters and protocols aiming to maintain good customer relationships.

 Communicate credit policies and procedures to internal stakeholders and provide guidance on credit-related matters.

 Participate in cross-functional meetings to discuss customer accounts, credit limits, and collection strategies.

 Set collection targets for the team and monitor individual performances on a daily, weekly, monthly and annual basis.

 Distribute work and tasks among Credit and Collections Department staff.

 Recommend reward and recognition for high-performing collectors.

 Collaborate with sales, customer service, and finance to align credit and collection activities with overall business objectives.

 Build and maintain strong relationships with customers to facilitate open communication and effective resolution of credit and collection issues.

 Collaborate with external credit reporting agencies, collection agencies, and legal firms to support credit and collection activities.

 Represent the company in negotiations and discussions with customers regarding payment terms and credit arrangements.

 Attend BTC board Credit & Collection Committee meetings and present credit & collection performance reports and analysis through dashboards

and templates.

 Monitor monthly target achievements and report performance to the CFO.

 Lead, mentor, and motivate a team of credit and collection professionals to achieve set goals and objectives.

 Provide training and development opportunities to enhance team members& competency level in credit and collection practices.

 Conduct performance evaluations, set goals, and provide feedback to team members to foster a high-performance culture.

2) Credit Risk Analysis

 Evaluate and analyze the creditworthiness of new and existing customers using credit reports, financial statements, and other relevant data.

 Establish and maintain credit limits for customers based on risk assessment and company policies.

 Monitor customer accounts for potential credit risks and take proactive measures to mitigate exposure.

 Develop and implement credit policies and procedures to ensure consistent and fair credit evaluation processes.

 Approve credit transactions within the credit committee of the company according to the authorization matrix.

 Escalate credit transactions that exceed authorization limits to the executive committee.

 Develop policies to improve and facilitate the tasks of the credit and collections department.

 Contract with external credit information companies, as and when necessary.

3) Collections and Debt Management

 Manage the collection of outstanding debts from customers, ensuring timely payments and minimizing delinquency.

 Develop and implement effective collection strategies, including payment plans, negotiations, and legal actions when necessary.

 Track and report on key collection metrics, such as aging reports, days sales outstanding (DSO), and collection success rates.

 Analyze collection operations and establish best practices for all types of receivables.

 Monitor monthly credit transaction reports and monthly performance reports of all collectors.

 Present and analyze the credit portfolio to the management.

 Identify, negotiate and finalize contract with electronic archiving companies.

4) Customer Experience

 Support, educate and foster the climate of customer focus with BTC value proposition ensuring the message has reached, understood and strictly

adhered to the customers and the team members.

 Provide direction and support to CX team for establishing customer engagement programs and raise the bar of customer journey standards.

 Review and analyze customer feedback to review customers’ level of satisfaction related to credit &collection department.

 Develop customer-centricity mindset across credit & collection team ensuring all customer needs, concerns and complaints are addressed and

resolved swiftly maintaining highest standards of quality and customer satisfaction.

 Ensure all credit & collection team members meet or exceed customers’ expectations aligning it with the company image, positioning and

corporate objectives.

 Spearhead building and maintaining high-level relationships with key BTC customers to ensure the successful outcome of BTC business objectives

and plans.

 Play effective role in promoting BTC capability, capacity, values and expertise to deliver multi-brand products and services to the BTC customers.

5) Stakeholder Relations

 Build trust, develop durable partnerships and maintain strong, long-lasting relationships with all internal and external stakeholders that include

BTC management & teams, board credit & collection committee, cross-functional teams, customers, vendors and third-party partners like external

credit reporting agencies, collection agencies, legal firms, consultants and government entities.

 Play a pivotal role in developing and maintaining stakeholders’ confidence and belief in BTC through regulation interactions and communications.

 Represent BTC corporate image and values while interacting with BTC customers and educate customer-centricity mindset to the team.

Work Interactions & Communication Radius

C O M P E T E N C Y - B A S E D J O B D E S C R I P T I O N

3 Competency-based Job Description - Credit & Collection Manager

Level of Interaction

☐ Standard: Typical interaction is to request and provide information. Courtesy, tact and effectiveness are required.

☒ Advanced: Influence using logic and facts. Communication is important but not critical to the achievement of job objectives.

☐ Expert: Win the hearts and minds, changing opinion of people. Critical in achieving the job objectives

Internal Interactions, Communications & Relationships External Interactions, Communications & Relationships

 CFO

 Credit &Collection Committee Members

 Cross functional teams (Sales; CX; Finance; etc.)

 Credit & Collection Staff

 Customers

 External Credit Reporting Agencies

 Collection Agencies

 Legal firms

 Government Entities

 Electronic Archiving Companies

Qualifications, Experience & Essential Job Requisites

Qualifications (Education & Professional Certifications)

 Bachelor’s degree in Finance, Accounting, Business Administration, or a related field. MBA is a plus.

 Professional Certifications such as Certified Credit Executive (CCE) and Certified Collections Professional (CCP) are preferred.

Experience

 Minimum 8 years’ experience in credit and collections management, preferably in the car rental industry or a similar environment.

 Proven track record of managing credit risk and successful debt collection.

 Experience in leading and managing a team of credit and collection professionals.

Essential Job Requisites

 Competent knowledge in English and Arabic, Spoken and Written

 Proficiency in using credit management software, financial analysis tools, ERP & MS Office Suite.

 Strong analytical skills with the ability to assess creditworthiness and identify potential risks.

 Excellent negotiation and communication skills to interact effectively with customers and internal stakeholders.

 Strong understanding of credit management principles, financial analysis, and collection practices.

 Ability to develop and implement credit policies and collection strategies.

 Strong leadership and team management skills to inspire and guide a high-performing team.

 Knowledge of relevant laws and regulations related to credit and collections.

 Detail-oriented with strong organizational, problem-solving, decision-making and time management skills.

 Ability to work under pressure and handle challenging situations with professionalism.

 Leadership & management skills with an emphasis on emotional intelligence

 High-level communication, analytical, interpersonal, team building and presentation skills

 Result & Detail-oriented and persuasive

 A customer-centric mindset with a passion for delivering quality service

 High ethical standards and commitment to integrity