Credit & Collection Officer - Jeddah📣 Job Ad

About the Role

Colgate-Palmolive, a global leader in consumer products operating in over 200 countries, is seeking a Customer Development Manager (CDM) for Discounters to join their team in Jeddah, Makkah, Saudi Arabia. This role is responsible for driving the commercial strategy, volume growth, and profitability of Colgate-Palmolive's portfolio within the rapidly expanding Discounter retail channel across Saudi Arabia. The position requires a strategic thinker with strong financial acumen and a proven ability to achieve aggressive volume targets within the discounter model, characterized by high turnover, low margins, and intense competition. You will be instrumental in shaping how our brands are presented and sold in key discounter formats.

Colgate-Palmolive is a company dedicated to reimagining a healthier future for people, their pets, and our planet. Guided by core values of Caring, Inclusivity, and Courage, we foster a culture that inspires our people to achieve common goals and build a brighter, healthier future for all. This role offers relocation assistance globally.

Key Responsibilities

• Lead the negotiation and execution of long-term strategic partnerships with key discounter accounts to secure category growth, volume commitments, and optimal product visibility.
• Own the channel's Profit & Loss (P&L), optimizing trade spend, managing margins, and designing cost-effective promotional frameworks, such as Everyday Low Price (EDLP) models or high-volume multi-packs, suitable for price-sensitive shoppers.
• Collaborate closely with Demand Planning and Logistics teams to maintain high case-fill rates and proactively eliminate Out-of-Stock situations, ensuring product availability.
• Manage and coach a regional team of field supervisors and merchandisers to ensure flawless implementation of planograms and maximize share of shelf.
• Develop and implement a tailored portfolio strategy, identifying whitespace opportunities and introducing specific SKU mixes, such as promotional bundles and value sizes, engineered exclusively for the discounter format to prevent channel conflict with hypermarkets.
• Achieve sales goals, margin, and volume targets for assigned accounts and ensure effective 5P (Product, Price, Place, Promotion, People) execution in stores.
• Optimize Trade Spend ROI by evaluating promotional investments and discount structures to eliminate underperforming tactics, ensuring commercial investment directly drives high-volume velocity while protecting net margins.
• Develop and manage the partnership between Colgate-Palmolive and a group of accounts at the store and regional level by building strong relationships and negotiating with store operations personnel.
• Provide feedback on competition intelligence and the in-store environment to ensure the right tactics are employed and report findings to the General Manager.
• Ensure tailored plans and promotions are developed with Regional Managers (RM) and executed within assigned accounts.
• Cascade channel strategies developed by the General Manager within selected accounts, focusing on both qualitative (5Ps) and quantitative (Sales per Account, Store, Category, and SKU) objectives.
• Build and manage relationships with key players, including Junior Buyers and Store Managers, at the regional and/or store level.
• Conduct negotiations as necessary for planograms, displays, and promotion execution at regional office and/or store levels.
• Coordinate special events, including store-level sell-in and communication, and manage in-store materials in cooperation with the Retail Marketing Team and General Manager.
• Maximize account P&L by analyzing performance, identifying opportunities, and developing actionable plans.
• Prepare Business Reviews twice a year with Customer Development Team Leaders (CDTLs) and the General Manager to meet customers and share mutual growth opportunities.
• Regularly visit stores to identify areas for improvement and provide coaching and direction to in-store staff, ensuring they are trained on new products, promotions, and merchandising objectives.
• Identify training needs and develop training plans with CDTLs.
• Work with CDTLs and RMs to develop tools, merchandising materials, and in-store programs for effective shelf management to drive shopper purchases.
• Supervise and analyze the consistent and accurate collection of data to monitor 5P performance against targets.
• Clearly communicate in-store objectives and monitor the execution of 5P targets, product availability, assortment by store format, shelf pricing, promotion implementation, share of shelf, and planograms.
• Resolve operational issues at regional offices or in-store.

Qualifications and Requirements

• A minimum of a Bachelor's or similar degree is required.
• At least 8 years of experience in the Saudi Market.
• Proven experience in developing the business of selected customers.
• Good command of both English and Arabic languages.

Required Skills

• Commercial Strategy
• Volume Growth
• Profitability Management
• Joint Business Plans
• Negotiation
• P&L Management
• Trade Spend Optimization
• Margin Management
• Promotional Frameworks
• Supply Chain Collaboration
• Demand Planning
• Logistics
• In-Store Execution
• Team Management
• Portfolio Strategy
• Sales Goals Achievement
• 5P Execution
• Trade Spend ROI Optimization
• EDLP & Price Architecture
• ROI Mechanics
• Customer Relationship Management
• Competition Intelligence
• Business Development
• Channel Strategy
• Retail Marketing
• Shelf Management
• Merchandising
• Data Analysis
• Problem Solving

Work Environment and Additional Information

This is a full-time position for a Customer Development Manager-Discounters based in Jeddah, Makkah, Saudi Arabia. Relocation assistance is offered globally. Colgate-Palmolive is an equal opportunity employer and values diversity.

About the Role

Hiresquad Resources is seeking an experienced Credit Risk Specialist for a contract position in Jeddah, Makkah, Saudi Arabia. This role is integral to enhancing the risk management framework within the Consumer Lending business, with a specific focus on Credit Cards in the Saudi market. The specialist will be responsible for developing and implementing credit policies, underwriting standards, and risk strategies that balance business growth, regulatory compliance, and profitability. This position requires a professional with a deep understanding of the Saudi credit landscape and a proven history in managing credit risk for consumer financial products, playing a key role in maintaining the health and performance of the credit portfolio.

Key Responsibilities

• Develop, review, and implement credit risk policies and strategies aligned with regulatory requirements and industry best practices for the Saudi market.
• Oversee the end-to-end underwriting process, providing guidance on complex cases and enhancing decisioning capabilities through advanced analytics.
• Collaborate with Product, Sales, and Business Development teams to optimize Credit Card product offerings while managing associated risks.
• Utilize data analytics to monitor portfolio health, track delinquency trends, and assess profitability, providing actionable insights and reports to senior management.
• Foster cross-functional collaboration with Sales, Operations, Compliance, Finance, and Technology departments to ensure effective execution of risk management initiatives.
• Ensure adherence to SIMAH (Saudi Credit Bureau) requirements and act as a subject matter expert on Saudi credit bureau data and its utilization.
• Mentor and develop risk and product teams, promoting a performance-driven culture focused on risk awareness and sound decision-making.

Qualifications and Experience

• A minimum of 12 to 15 years of progressive experience in Credit Risk management within the Consumer Lending sector, with a strong focus on Credit Cards.
• A minimum of 5 years of hands-on experience operating within the Saudi Credit Cards market.
• Demonstrated expertise in Credit Policy development and management, Product Management, Underwriting processes, and Risk Analytics.
• In-depth knowledge of SIMAH products, reports, and operational processes.
• Proven leadership capabilities with strong stakeholder management skills.
• A results-driven approach with adaptability and agility for dynamic, fast-paced environments.

Required Skills

• Credit Risk Policy
• Product Management
• Underwriting
• Risk Analytics
• SIMAH Products
• SIMAH Reports
• SIMAH Processes
• Leadership
• Stakeholder Management

Work Details

This is a contract position located in Jeddah, Makkah, Saudi Arabia.

About the Role

Colgate-Palmolive, a global leader in consumer products operating in over 200 countries, is seeking a Customer Development Manager to join its team. The company specializes in Oral Care, Personal Care, Home Care, Skin Care, and Pet Nutrition, with products used in households worldwide. As a caring and innovative growth company, Colgate-Palmolive is dedicated to reimagining a healthier future for people, pets, and the planet, guided by core values of Caring, Inclusivity, and Courage.

This full-time position is based in Jeddah, Makkah, Saudi Arabia, with potential travel up to 50% of the time. The Customer Development Manager will be responsible for achieving sales, margin, and volume targets for assigned accounts, ensuring flawless 5P (Product, Price, Place, Promotion, People) execution in-store, and developing strong partnerships with key customers.

Key Responsibilities

• Achieve sales, margin, and volume targets for assigned accounts and ensure 5P execution in-store.
• Develop and nurture partnerships between Colgate-Palmolive and a group of accounts at store and regional levels by building relationships and negotiating with Store Operations and in-store personnel.
• Provide feedback on competitive intelligence and the in-store environment to ensure effective tactic implementation, reporting findings to the Customer Development Team Lead (CDTL).
• Ensure tailored plans and promotions are developed in collaboration with the Regional Manager (RM) and executed within assigned accounts.
• Cascade Channel Strategy, developed by the CDTL, within selected accounts, focusing on both qualitative (5Ps) and quantitative aspects (Sales per Account, per Store, per Category, and per SKU).
• Build and manage relationships with key stakeholders, including Junior Buyers and Store Managers, at the regional and/or store level.
• Conduct necessary negotiations regarding planograms, displays, and promotion execution at the regional office and/or store level.
• Coordinate special events, including store-level sell-in and communication, and manage in-store materials in cooperation with the RM Team and CDTL.
• Maximize the Profit & Loss (P&L) for assigned accounts by analyzing performance, identifying opportunities, and developing action plans.
• Prepare Business Reviews twice a year, in conjunction with the CDTL and General Manager (GM), to meet with customers and discuss mutual growth opportunities.
• Regularly visit stores within the assigned group of accounts to identify areas for improvement.
• Coach and provide direction to in-store staff, including merchandisers, ensuring they are trained and updated on new products, promotions, and merchandising objectives.
• Identify training needs for in-store staff and develop training plans with the CDTL.
• Collaborate with the CDTL and RM to develop tools, merchandising materials, and in-store programs for effective shelf management to drive Colgate product purchases.
• Supervise and analyze the consistent and accurate collection of data to monitor 5P performance against targets.
• Clearly communicate in-store objectives and monitor the execution of 5P targets, product availability, assortment by store format, shelf pricing (regular and promoted), promotion implementation versus plan, share of shelf, planograms, and Point of Purchase (POP) placement versus plan.
• Resolve operational issues encountered at regional offices or in-store.

Qualifications and Requirements

• A minimum of a Bachelor's or similar degree is required.
• At least 5 years of experience in the HSM/Pharma-DS environment within the Saudi Market.
• Proven experience in developing the business of selected customers.
• Good command of both English and Arabic languages.

Required Skills

• Sales
• Margin Management
• Volume Achievement
• 5P Execution
• Customer Relationship Management
• Negotiation
• Competition Intelligence
• Business Development
• P&L Management
• Merchandising
• Shelf Management

Work Environment and Travel

This is a full-time role based in Jeddah, Makkah, Saudi Arabia. The position requires potential travel up to 50% of the time. The role is located in the Makkah region, with potential business activities extending to Riyadh.