Credit Manager

About Sportlux Sportlux is a multi-entity fashion group operating internationally licensed apparel and footwear brands across the Middle East and Europe, with wholesale, e-commerce marketplace and retail channels. Purpose Own credit and collection for the group end-to-end — policy and execution in one seat. You set the credit policy, make every limit, rating, release and block decision, own the group's credit insurance programme, and run collections through a small cross-border team. You are the single owner of the group DSO number and of the weekly working capital report. Key responsibilities • Design, document and maintain the group credit policy; decide exceptions within delegated authority and escalate beyond it. • Own customer master data control: account creation, credit terms, credit ratings and periodic portfolio review. • Own all credit approvals end-to-end: customer credit rating, credit limits, order acceptance from a credit standpoint, and release and block decisions — including major e-commerce marketplace and key wholesale accounts. The commercial team triggers the credit gate; the decision sits with you. • Own group credit insurance: cover levels, insurer relationship, limit applications, claims, and the discipline of shipping within insured limits. • Drive collections: set collection targets and the monthly collection forecast by customer, run the weekly collection cadence with the team, own escalation and recovery including legal escalation with counsel. • Propose bad debt provisions with documented rationale for CFO approval; entries are booked independently by the accounting team. • Produce the receivables and collection cash flow forecast feeding the group cash flow, and a weekly working capital report identifying cash tied up across the order-to-cash and inventory cycle, with named actions. What this role is not • Billing, cash application and receivables accounting sit with a separate AR operations team; disputes are logged there and routed to this role for decision. Requirements • 8+ years in credit management, including 3+ leading a credit function; recognised credit qualification (e.g. CICM) or qualified accountant (CA / ACCA / CPA). • Hands-on credit insurance experience — policy management, limit applications and claims — is essential. • Wholesale or distribution background with key account and marketplace exposure; multi-entity, multi-currency environment; experience managing a cross-border team. • ERP fluency (Microsoft Dynamics 365 Business Central an advantage); able to defend a block decision with data under commercial pressure. Success measures Group DSO · overdue percentage of receivables · bad debt against provision · insured cover ratio on shipped exposure · collection effectiveness · working capital days.

8+ years in credit management, including 3+ leading a credit function; recognised credit qualification (e.g. CICM) or qualified accountant (CA / ACCA / CPA). Hands-on credit insurance experience — policy management, limit applications and claims — is essential. Wholesale or distribution background with key account and marketplace exposure; multi-entity, multi-currency environment; experience managing a cross-border team. ERP fluency (Microsoft Dynamics 365 Business Central an advantage); able to defend a block decision with data under commercial pressure.

Design, document and maintain the group credit policy; decide exceptions within delegated authority and escalate beyond it. Own customer master data control: account creation, credit terms, credit ratings and periodic portfolio review. Own all credit approvals end-to-end: customer credit rating, credit limits, order acceptance from a credit standpoint, and release and block decisions — including major e-commerce marketplace and key wholesale accounts. The commercial team triggers the credit gate; the decision sits with you. Own group credit insurance: cover levels, insurer relationship, limit applications, claims, and the discipline of shipping within insured limits. Drive collections: set collection targets and the monthly collection forecast by customer, run the weekly collection cadence with the team, own escalation and recovery including legal escalation with counsel. Propose bad debt provisions with documented rationale for CFO approval; entries are booked independently by the accounting team. Produce the receivables and collection cash flow forecast feeding the group cash flow, and a weekly working capital report identifying cash tied up across the order-to-cash and inventory cycle, with named actions.