Commercial and Credit Analyst

Dubai
Permanent
Full-time

23 days ago

Looking for an enthusiastic and experienced individual to play a key role in the Finance Team, by supporting the Commercial team in making data-driven decisions and supporting the overall business primarily in sales data management & reporting, forecasting, budgeting, variance analyses, margin controls, management reporting; and in Credit Control/Accounts Receivable Management.Client DetailsOur client is a well‑established multinational organisation operating within the consumer goods and industrial solutions sector. With a strong regional footprint and a diverse product portfolio, they focus on innovation, operational excellence and long‑term growth across global markets.Description· Conduct in‑depth analysis of commercial performance, including revenue trends, margins, pricing efficiency and customer profitability· Prepare dashboards and weekly/monthly reporting to support sales, finance and senior leadership teams· Evaluate customer credit applications, risk profiles and payment behaviour to determine appropriate credit limits· Collaborate with sales teams to ensure commercial proposals and pricing structures align with business objectives· Monitor overdue accounts, partner with internal teams to reduce outstanding balances and improve cash flow· Support budgeting and forecasting by validating assumptions and analysing historical performance· Work closely with finance to ensure accurate revenue recognition, credit provision calculations and compliance with internal policies· Develop business cases for new initiatives, promotions or product launches using financial modelling· Identify process gaps, propose improvements and support automation or system enhancement initiatives· Liaise with external stakeholders, including banks or credit agencies, when required for credit assessments· Provide ad‑hoc analysis and insights to support strategic decision‑makingProfile· Bachelor's degree in finance, accounting, economics or a related field· Professional qualification of CPA, ACCA, CA, CMA, etc. is highly preferred· Distribution industry experience is mandatory and essential for the role· Proven experience in commercial analysis, credit risk assessment or financial analysis· Strong proficiency in Excel and data analysis tools, with the ability to manipulate and interpret large datasets· Solid understanding of financial statements, credit metrics and commercial performance drivers· Experience working with cross‑functional teams in a fast‑paced environment· Strong communication skills with the ability to present findings clearly to stakeholders· High level of accuracy, attention to detail and analytical thinkingJob Offer
Opportunity to join a well‑respected multinational market leaderExposure to both commercial and credit functions for well‑rounded career developmentCollaborative environment with strong leadership and opportunities for continuous learningA role with high visibility across multiple departments and senior stakeholders

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