This role is responsible for leading the credit management agenda across emerging markets, with a strong focus on credit risk governance, working capital optimisation, and collections performance. Based in Cairo, Egypt, the position plays a critical regional role, partnering closely with commercial, finance, treasury, legal, and customer service teams to support sustainable growth while maintaining disciplined risk management. Client Details Our client is a well?established multinational organization operating within a highly regulated and fast?paced industry. The business has a strong regional footprint across the Middle East and is known for its commitment to operational excellence, robust governance standards, and long?term investment in talent and leadership capability. Description - Lead and implement a regional credit management strategy aligned with business growth objectives and risk appetite - Define, standardise, and maintain customer credit policies, approval frameworks, and governance standards across multiple markets - Review and approve customer credit limits within delegated authority, escalating high-risk exposures with mitigation recommendations - Monitor customer financial health, payment behaviour, concentration risk, and exposure trends across the portfolio - Drive collections performance and DSO improvement across emerging markets - Establish and track clear KPIs for collections teams and local finance functions - Lead overdue debt recovery actions and manage escalation governance - Partner with commercial leadership to resolve collection challenges while protecting cash flow and business interests - Improve cash conversion cycles and overall working capital performance - Oversee all customer-related banking instruments and trade finance mechanisms, including LCs, LGs, bank guarantees, documentary collections, and advance payment instruments - Ensure robust controls over issuance, tracking, amendments, renewals, expiry management, and release of banking instruments - Collaborate with treasury teams and banking partners to optimise trade finance processes - Support contract reviews relating to payment terms and banking security clauses - Establish and maintain strong credit governance, internal controls, and audit readiness across markets - Drive standardisation and continuous improvement across order-to-cash and credit management processes - Support automation, digitalisation, and ERP system enhancements related to credit and collections - Act as a strategic business partner to commercial teams on payment terms, distributor risk, tenders, and major customer negotiations - Deliver regular credit risk, working capital, and exposure reporting to regional leadership - Coach and support local finance teams, building capability and consistency across markets Job Offer - Regional leadership role with high visibility across emerging markets - Opportunity to shape and standardise credit governance at scale - Exposure to complex commercial structures and senior stakeholders - Strong organisational focus on process excellence and continuous improvement

- Bachelor's degree in Finance, Accounting, Business Administration, or a related discipline - 8 to 10 years of progressive experience in finance, with strong hands-on credit management leadership - Regional or multi-country experience, ideally across emerging markets, Middle East, or Africa - Proven experience within pharma, FMCG, healthcare, medical devices, or similar distribution-driven industries - Solid experience in credit risk assessment, collections, working capital optimisation, and DSO improvement - Strong ERP system exposure, with SAP experience highly preferred - Ability to operate effectively in fast-paced, matrix, and cross-cultural environments