Analyst - Credit Control

Job description / Role

Inspire | Exhilarate | Delight

For over seven decades, Chalhoub Group has been a partner and creator of luxury experiences in the Middle East. In its pursuit to excel as a hybrid luxury retailer, the Group has curated a portfolio of over 10 owned brands and strengthened its distribution and marketing expertise for over 400 international names across luxury fashion, beauty, jewellery, watches, eyewear, and art de vivre categories.

Every step at Chalhoub Group is taken to build a future where luxury dreams become reality - bridging cultures and crafting memorable experiences for our consumers. Be it by constantly reinventing itself, committing to innovation, or embracing new technologies, the Group is shaping the future of luxury retail. It delivers seamless omnichannel experiences across more than 950 stores, online platforms, and mobile apps. Driving this innovation journey is The Greenhouse - the Group's innovation hub, incubator, and accelerator for startups and emerging businesses, regionally and globally.

Chalhoub Group fosters a people-at-heart culture rooted in diversity, equity, and inclusion, and a workplace catalysed by forward thinking and future-proofing. Today, it brings together over 16,000 talented professionals across eight countries in the Middle East, with a presence in LATAM. Their collective efforts have earned the Group the Great Place to Work® certification in several markets.

Sustainability is at the core of the Group's strategy, guided by a clear commitment to people, partners, and the planet. Chalhoub Group is proud to be a member of the United Nations Global Compact, a signatory of the Women's Empowerment Principles, and to have pledged to reach Net Zero by 2040.

What you'll be doing

As an Analyst - Credit Control, you will support the Group Credit Control function by assessing customer credit risk, monitoring accounts receivable, and driving timely collections and improving the working capital, in line 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 the Group's diverse portfolio of brands and joint ventures.

Key responsibilities

Credit risk assessment & control

• Assess and evaluate creditworthiness of customers by reviewing:
• Credit reports and external credit-agency data.
• Historical payment behavior and aging trends.
• Financial statements (if available) and available commercial information.
• Recommend credit limits, risk classifications, and payment terms in line with Group Credit Control Policy.
• Perform periodic credit reviews and proactively flag deteriorating risk profiles.
• Support Expected Credit Loss (ECL) analysis by providing accurate inputs on risk grading and overdue exposure.

Accounts receivable & collections

• Coordinate with Sub Verticals to ensure timely collection of receivables.
• Follow up on risky overdue balances with structured dunning and direct customer engagement where required.
• Coordinate in resolving disputes, unapplied cash, with internal teams.
• Escalate high-risk or materially overdue accounts in line with defined escalation thresholds.

Stakeholder coordination

• Work closely with Commercial, Commercial Finance, Legal, Tax to:
• Ensure alignment on customer onboarding and payment terms.
• Support contract and credit approvals where required.
• Maintain professional relationships with the internal stakeholders to facilitate smooth collections while preserving commercial partnerships.

Reporting & governance

• Support in preparing and maintain AR aging, overdue, and risk-exposure reports.
• Ensure Credit Master Data and Collections Master Data (Credit Limits, Payment Terms, Credit Score, Credit Risk, Collection agents, Customer Contact details) is accurate and up to date.
• Support audit requests and ensure adherence to internal controls and compliance requirements.
• Ensure all the month-end activities are completed in time as per the audit requirement.
• Contribute to process improvements and automation initiatives, especially in preparation for system transformations.

What you'll need to succeed

Key skills & competencies

• You possess 2-3 years of experience in Credit Control / Accounts Receivable in a fast-paced, multi-entity environment (retail, FMCG, or distribution experience preferred).
• You have a Bachelor's degree in Finance, Accounting, Business, or a related field and preferably are ACT, CICM certified.
• You preferably have exposure to multi-entity or regional operations.
• You have a strong understanding of credit risk assessment and AR management.
• You possess an analytical mindset with the ability to interpret financial and payment data.
• You are an excellent communicator and negotiator, with high attention to detail and a strong ownership mindset.
• You are proficient in Excel; ERP experience (Oracle / SAP) is an advantage.

What we can offer you

With us, you will turn your aspirations into reality. We will help shape your journey through enriching experiences, learning and development opportunities and exposure to different assignments within your role or through internal mobility. Our Group offers diverse career paths for those who are extraordinary, every day.

We recognise the value that you bring, and we strive to provide a competitive benefits package which includes health care, child education contribution, remote and flexible working policies as well as exclusive employee discounts.

We invite all applicants to apply

It takes diversity of thought, culture, background, differing abilities and perspectives to truly inspire, exhilarate and delight our customers. At Chalhoub Group, we are committed to inclusion and diversity.

We welcome all applicants to apply and be part of our exciting future. We ensure equal opportunity for all our applicants without regard to gender, age, race, religion, national origin or disability status.

About the Company

The Chalhoub Group is the leading partner for luxury across the Middle East since 1955. As an expert in retail, distribution and marketing services based in Dubai, the group has become a major player in the fashion, beauty and gift sectors regionally.

By blending its Middle East expertise and intimate knowledge of luxury, Chalhoub Group is building brands in the region, by offering service excellence to all its partners and a unique experience to its customers through its passionate teams.

With a growing workforce of more than 9,000 people, implemented in 14 countries, as well as the operating of over 470 retail outlets, the group's success is attributed to its most valued asset of highly skilled and dedicated teams. Professionalism and passion are what fuel the Chalhoub Group's competitive edge in today's market.

By being committed to implementing sustainable practices into their business, the Chalhoub Group has been awarded in 2013 the CSR Label from the Dubai Chamber of Commerce.