Credit & Operations Manager / Deputy Manager

Job description / Role

Reports to: Head - Risk & Credit

Basic Function:
The credit & operation manager position is accountable for the entire credit granting process, including the consistent application of a credit policy, periodic credit reviews of existing customers, and the assessment of the creditworthiness of potential customers, with the goal of optimizing the mix of company sales and bad debt/ delinquencies.

Principal Accountabilities:

Maintain a department organizational structure sufficient to meet all goals and objectives
1. Properly motivate the credit and collections staff
2. Measure department performance with appropriate metrics
3. Provide for ongoing training of the credit staff
4. Manage relations with collection agencies

Credit Operations
1. Maintain the corporate credit policy
2. Manage customer credit files
3. Monitor the credit granting and updating process
4. Monitor periodic credit reviews
5. Manage the corporate financing program

Requirements

- BComm, BA, BSc
- 8 years experience in various credit functions including underwriting, operations, risk management

Specialist knowledge:
- Financial analysis
- Credit analysis
- Project planning

Soft Skills and Personality traits:
- Strong leadership capabilities
- Ability to work well independently and within a team environment

Age Range: Preferably early 30s
Nationality Preference: Preference is given to Saudi Nationals
Language Fluency: English and Arabic
Current Location: Riyadh

About the Company

Kirnaf Investment and Installment Company is a closed shareholding company established in collaboration with top strategic investors of the region to cater to the growing financial needs in Saudi Arabia, targeting both retail and wholesale markets. With its head office in Riyadh, Saudi Arabia, it has ambitious plans to launch a wide range of financial solutions and services driven by Shariah principles.

Kirnaf will focus its activities on the following sectors: • Consumer Installments • Real Estate Finance • Equipment Installments • Merchant Finance