Credit Analyst Vodafone Qatar - Doha

Job Description

Role purpose: This role is responsible for defining the VF-QA credit policy, assessment / approval of enterprise credit limits and to ensure cross-company compliance to policy to minimise bad debt risk and financial exposure.

Key activities / decision areas
Credit Policy Definition and Compliance
- Responsible for the definition and regular review of the VF-QA Credit Policy document (subject to CFO and CEO approval) - including communication to business.
- Accountable and responsible to cross-company compliance to credit policy through regular reporting and analysis.
- Conduct credit limit reviews of customers based on payment patterns, age on network and usage.
- Responsible to ensure all exceptions to policy are approved, tracked and monitored.
- Responsible to highlight to senior management / credit manager critical incidences of non-compliance to policy where appropriate.
- Provide operational support to the business (Collections, Care, Sales and Retail) on credit related matters as required.

Enterprise Credit assessment and Dunning
- Responsible for the risk assessment and approval for all enterprise credit limit increases within a defined SLA
- Support Care Collections and Account Management teams with Key Account & Government collection to ensure appropriate actions are taken to collect outstanding debts whilst minimising impact to customer relationship.
- Assist with negotiation of customer disputes including settlement disputes where required and approved.

Blacklist & Debt Collection Agency (DCA) management
- Responsible for aged debt reporting and analysis.
- Responsible for maintenance and update of customer blacklist based on internal and external customer history data.
- Responsible for relationship with DCA for collection of bad debt as defined in the credit policy.
- Responsible for regular write off of unrecoverable bad debt after all recovery efforts have been carried out or where the recovery process is not cost effective to continue.

Role dimensions
Key outputs / metrics

Update and communication of credit policy document
Ensure cross-company compliance to credit policy
Credit risk assessment and approval for Enterprise customers within SLA
Support the business on matters related to credit and risk.
Aged debt reporting and analysis.
Blacklist maintenance
Relationship management with Debt Collection Agencies for collection of bad debt

People interfaces

Care – Collections
Sales – Retail, Account Management
Payment & Credit Control Manager
Head of Finance
Head of Billing & RA
CFO / CEO
External Debt Collection Agency contacts

Desired Skills & Experience

Person specification
Essential role related knowledge, technical skills, qualifications and experience
- Bachelors degree required in Accounting/Finance preferred.
- At least 5 years related experience in credit control in either the Telecoms or Banking industry.
- Ability to assess customers risk while employing commercial sensitivity, business acumen, and good judgment.
- Effective business writing and professional communication skills.
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