
Chalhoub Group
Analyst - Credit Control (Retail and Luxury Group Finance)
- Permanent
- Dubai, United Arab Emirates
- Experience 2 - 5 yrs
Job expiry date: 15/03/2026
Job overview
Date posted
29/01/2026
Location
Dubai, United Arab Emirates
Salary
AED 15,000 - 20,000 per month
Compensation
Salary only
Job description
The Analyst - Credit Control role supports the Group Credit Control function within Chalhoub Group by assessing customer credit risk, monitoring accounts receivable, driving timely collections, and improving working capital in alignment with Chalhoub Group’s credit policies and governance framework. The role plays a critical part in protecting cash flow, minimizing bad-debt exposure, and enabling sustainable business growth across a diverse portfolio of luxury brands and joint ventures operating in fashion, beauty, jewellery, watches, eyewear, and art de vivre categories. Responsibilities include evaluating customer creditworthiness through the review of credit reports, external credit-agency data, historical payment behavior, aging trends, financial statements where available, and commercial information; recommending credit limits, risk classifications, and payment terms; performing periodic credit reviews; supporting Expected Credit Loss (ECL) analysis; coordinating receivables collections across Sub Verticals; following up on risky overdue balances through structured dunning and direct engagement; resolving disputes and unapplied cash issues; escalating high-risk accounts; supporting AR aging and risk-exposure reporting; maintaining accurate Credit Master Data and Collections Master Data; supporting audits and internal controls; completing month-end activities; and contributing to process improvements and automation initiatives, particularly in preparation for system transformations. The role operates within a fast-paced, multi-entity retail and distribution environment and supports Chalhoub Group’s broader objectives of financial discipline, governance, and sustainable growth.
Required skills
Key responsibilities
- Assess and evaluate customer creditworthiness by reviewing credit reports, external credit-agency data, historical payment behavior, aging trends, financial statements, and commercial information
- Recommend credit limits, risk classifications, and payment terms in line with Group Credit Control Policy and governance framework
- Perform periodic credit reviews and proactively flag deteriorating risk profiles and overdue exposures
- Support Expected Credit Loss (ECL) analysis by providing accurate inputs on risk grading and overdue balances
- Coordinate with Sub Verticals to ensure timely collection of accounts receivable
- Follow up on risky overdue balances using structured dunning processes and direct customer engagement
- Resolve disputes and unapplied cash issues in coordination with internal teams
- Escalate high-risk or materially overdue accounts according to defined escalation thresholds
- Collaborate with Commercial, Commercial Finance, Legal, and Tax teams to align on customer onboarding, payment terms, contract support, and credit approvals
- Prepare and maintain AR aging, overdue, and risk-exposure reports
- Maintain accurate and up-to-date Credit Master Data and Collections Master Data including credit limits, payment terms, credit scores, credit risk, collection agents, and customer contact details
- Support audit requests and ensure compliance with internal controls and governance requirements
- Complete all month-end credit control activities in line with audit timelines
- Contribute to process improvements, automation initiatives, and system transformation preparations
Experience & skills
- Hold a Bachelor’s degree in Finance, Accounting, Business, or a related field
- Possess 2–3 years of experience in Credit Control or Accounts Receivable within a fast-paced, multi-entity environment
- Demonstrate experience in retail, FMCG, or distribution sectors
- Show exposure to multi-entity or regional operations
- Demonstrate strong understanding of credit risk assessment and accounts receivable management
- Exhibit analytical capability to interpret financial and payment data
- Demonstrate proficiency in Microsoft Excel
- Have experience with ERP systems such as Oracle or SAP
- Hold or be pursuing professional certifications such as ACT or CICM