Purpose of role

The DSM - Credit will report functionally to the Head of Credit Risk Management (HoCRM) and be responsible for overseeing key credit management metrics, providing robust analysis and insights to support effective decision-making and world-class credit risk management. The role will leverage analytics, financial expertise, and business understanding to identify risks, raise key red flags, and drive actions that enhance customer sustainability, working capital performance, and cash collection effectiveness. The incumbent will support strategic decisions on credit and reserve limits, ensure accurate and complete reporting, and work closely with the OTC team to strengthen credit management processes, build distributor capabilities, and embed best practices. The role will also engage and influence key stakeholders across the business and shared services, continuously monitor credit performance, drive process improvement initiatives, and ensure all Credit/OTC CARM controls are effectively implemented and sustained.

Key accountabilities

• Get involved in driving the right focus and oversight on credit management processes, related KPIs and opportunities therein.
• Strong ability to drive insights generation in the market and through DBSI using robust analytics.
• Working through insights with key stakeholder to pro-actively attain solutions.
• Monitors and delivers strong WC reporting in the Balance Sheet.
• Strong performance while holds others to account.
• Support internal CARM checks and external audit process.
• Constructively challenges ways of working seeking improvement opportunities.
• Train business partners on credit risk KPIs and deliverables.
• Have the ability to hold fort and deliver in the absence of the HoCRM

Qualifications and Experience Required

Qualifications

• A business-related degree or equivalent.
• ACCA/ CPA K

Experience and Skill

• 6-8 years’ experience in a similar role
• Strong track record in analytic or finance roles, strong commercial acumen both analytical and logical
• Ability to manage projects, prioritise and work to deadlines.
• Flexible and able to adapt readily to a changing environment
• Willingness to make recommendations against popular/current thinking (if appropriate)
• Excellent Microsoft Excel and modelling skills
• Strong communication skills both written and spoken.
• Has significant financial knowledge and willingness to improve day-to-day
• Makes suggestions on improvement actions to achieve business goals and improve business performance
• Is self-confident, accurate and pays attention to details