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.