AR Credit Control & Collections Lead

Reports To: Central Financial Controller – ACCBC

Business Unit: ACCBC Corporate

Function: Finance – Financial Control & Working Capital

Location: Dubai, UAE

The AR Credit Control & Collections Lead is accountable for enterprise-wide governance, discipline, and performance of Accounts Receivable, customer credit risk, and collections across ACCBC.

Operating under the Central Financial Controller
, the role ensures cash protection, disciplined credit exposure, accurate receivables reporting, and strong control execution across all markets.

The role acts as the second-line owner of AR controls and working capital assurance
, while enabling the business to grow responsibly within approved credit risk frameworks.

The position does not own commercial negotiations or pricing but can support
; it ensures credit, collections, and receivables integrity
, escalation discipline, and predictability of cash inflows.

The role covers an AR portfolio spanning approximately 38,000 customers across 9 markets with direct presence and 60+ export markets. The position operates through a matrix line management structure, partnering with market-level finance and commercial teams to drive consistent AR governance, credit discipline, and collections performance across the enterprise.

ACCBC operates in a high working-capital, multi-country FMCG environment with:

• Complex customer trade terms and credit exposures
• Distributor- and wholesaler-led channels
• FX volatility and liquidity constraints in select markets
• Increasing scrutiny from auditors, banks, and CFO on cash predictability
• ERP-enabled O2C processes requiring strong configuration and control

Success in this role requires strong governance judgment, firmness with stakeholders, and execution discipline
, without compromising customer relationships or commercial momentum.

• Own and enforce enterprise credit policies, limits, and approval frameworks
  .
• Ensure customer credit exposure remains within approved risk appetite
  .
• Review, approve, and elevate credit limit requests and exceptions in line with delegated authority.
• Monitor concentration risk and exposure by customer, channel, and country.
• Partner with Sales and BU Finance to balance growth with cash protection.

• Own collections strategy, targets, and execution discipline across all markets.
• Drive DSO reduction and overdue recovery plans
  , with clear escalation paths.
• Govern follow-up cadence, aging resolution, and dispute closure.
• Ensure timely escalation of delinquent accounts to Finance Leadership.
• Support legal action, credit holds, or commercial escalation where required.

• Ensure accuracy, completeness, and timeliness of AR balances.
• Govern AR aging, reconciliations, customer confirmations, and substantiation.
• Ensure correct application of receipts, credit notes, deductions, and offsets.
• Maintain clean AR ledgers aligned with IFRS and group accounting standards.
• Partner with Record-to-Report teams to ensure AR close quality.

• Provide credible AR and collections inputs into cashflow forecasting.
• Partner with Treasury and FP&A to improve cash predictability
  .
• Identify structural issues impacting collections (terms, disputes, execution gaps).
• Track and report working capital performance drivers and trends.

• Ensure strong internal controls embedded within Order-to-Cash (O2C) processes.
• Own AR-related audit readiness and closure of audit findings.
• Ensure compliance with IFRS, local regulations, and internal policies.
• Act as control owner for receivables-related risks and mitigations.
• Support regulatory, statutory, and special audits where required.
• Own AR-related process standardization and documentation
  .
• Ensure ERP configurations support credit limits, blocks, approvals, and aging.
• Drive automation and reduction of manual AR processes.
• Partner with IT and Finance Transformation teams on O2C improvements.

• Lead and develop central and market AR / collections teams
  .
• Set…