Risk & Collections Manager – MENA & Africa

What you'll do:

• Evaluate client and business-purpose credit requests in line with global Credit Risk Policies and Guidelines for MENA & Africa.
• Analyze financial statements, credit reports, and other data to assess cash flow, liquidity, leverage, and balance sheet ratios.
• Identify and articulate credit risks, recommend limits, payment terms, or alternative solutions, and escalate complex cases to the Global Credit Committee.
• Assess geopolitical, macroeconomic, and jurisdictional risks impacting domestic and cross-border clients.
• Negotiate credit limits and terms with Sales and propose alternative structures when appropriate.
• Own portfolio management, ensuring exposures remain within approved risk appetite.
• Lead collections strategy, drive timely recovery, reduce aging, and manage escalations including account suspensions, repayment plans, and legal actions.
• Directly manage the CCR team: prioritize workloads, monitor performance, provide coaching, and ensure consistent policy application.
• Foster a high-performing, accountable, and collaborative team culture.
• Collaborate cross-functionally with Sales, Finance, Legal, Onboarding Hub, and external partners to ensure smooth credit and collections processes.
• Support process improvements, SAP/ERP implementations, and risk/collections optimization projects.
• Utilize SAP and Salesforce for credit approvals, collections tracking, and reporting.
• Participate in regional or global projects as assigned.

What you need for this role:

• Bachelor’s or Master’s degree in Finance, Accounting, Economics, or Business Management.
• 1–6 years of experience in credit risk, collections, banking, or financial services; emerging markets experience is a plus.
• Proven experience in credit analysis, portfolio risk management, and collections oversight.
• Prior people management or team leadership experience preferred.
• Strong analytical, problem-solving, and decision-making skills.
• Excellent communication skills with the ability to influence stakeholders at all levels.
• Ability to work in a high-volume, fast-paced environment while meeting quality and timing targets.
• Proficiency in Microsoft Excel, Word, and PowerPoint; SAP, Salesforce, or other ERP system experience is a strong advantage.
• Highly organized, detail-oriented, and team-focused with a strong ownership mindset.

What will make us really love you:

• You bring a track record of success in a similar role, with hands-on experience.
• You’re not afraid to challenge the status quo and bring fresh, out-of-the-box ideas to the table.
• You anticipate challenges before they arise and take initiative to find effective solutions.
• You have an eye for detail.
• You thrive on teamwork but also bring a driven, goal-oriented spirit.
• You’re genuinely enthusiastic about advertising, ad-tech, and staying ahead of industry trends.
• You have the ability to engage and communicate with internal and external stakeholders in a positive and approachable way.

What you'll love about us:

• We care about your individuality by giving you freedom to grow and create within the company, regardless of your position
• Learn from the best: Our state of the art workshops guarantee the latest insights into digital advertising 
• Be part of a company with a truly global footprint, working with leading brands, platforms, and publishers across 90+ markets.
• We foster a dynamic environment where creativity, collaboration, and bold ideas are encouraged and celebrated.
• Join a diverse, multicultural team that values and embraces different perspectives, experiences, and talents.
• At Aleph, your work directly contributes to connecting brands and consumers in meaningful ways, shaping the future of digital advertising.