Lead Specialist - Credit

Date: Mar 23, 2026

Location:

Dubai, AE

Company: Arab Business Machine FZE

Req ID: 3209

Job Title

Lead Specialist - Credit

Job Scope

The Lead specialist - Credit is accountable for applying the companys credit and collection policies and practices while implementing internal control systems. S/He analyses customer requests for credit, minimizes the companys credit risk and maintains the highest level of customer service while coordinating with other departments in resolving issues.

Main Duties And Responsibilities

• Assist in managing the companys financial wellbeing by ensuring compliance, effective risk management and accurate financial reporting;
• Define and evaluate the credit limits for all customers based on their audited financial statements, asset values, and assessments of new and existing customers;
• Comply with the reporting timelines and adverse information notification to the insurance company;
• Anticipate outstanding receivables based on sales forecasts, payment terms, backlog, and input from the sales team;
• Reconcile accounts receivable, resolve discrepancies, and achieve periodic cash collection targets;
• Coordinate with internal departments to resolve unpaid debts and oversee legal actions and related settlements when required;
• Approve the credit line for customer accounts within the approved insurance limit;
• Manage and streamline LC transactions and ensure the compliance of LC/BG T&C and timely closure of LC/BG payments from banks with minimized financial costs and eliminated risks;
• Build strong relationships with customers through regular visits, account management, and collection of financial information for credit reviews;
• Ensure the timely processing and follow up of outstanding invoices;
• Respond promptly to audit requests (internal audit, bank audit, etc.);
• Ensure the receipt of customer balance confirmations on a bi-annual basis;
• Prepare periodic MIS and data management reports to the Direct Manager.
  
  
  

• Minimum 5–7 years of relevant experience in finance, with a focus on Accounts Receivable and collections
• Strong experience in reconciliations, with the ability to identify and resolve account discrepancies
• Excellent communication and interpersonal skills
• Commercially minded, with a good understanding of customer situations and business impact
• Ability to review forecasts and ensure proper follow-up on outstanding items
• Experience in handling credit insurance communication and reporting is a plus
• Highly organized, result-driven, and consistent in follow-up and execution