As the Head of Credit Management at Gulf Pharmaceutical Industries, I am responsible for ensuring the effective implementation of credit control policies and procedures to minimize risk and maximize cash flow. I have over 15 years of experience in accounts receivable and credit management across various industries, including pharmaceuticals, chemicals, and engineering.My core competencies include financial analysis, credit risk assessment, credit limit recommendation, accounts receivable aging monitoring, collection action initiation, credit committee meeting facilitation, and credit management reporting. I also have strong skills in customer communication, internal and external audit support, and team leadership. I am passionate about delivering value to the business by optimizing the credit management process and enhancing the customer experience.