Credit Control Officer

Base Exchange; United Arab Emirates; Remote; AED 90,000 - 180,000; Full time

Job summary

Base Exchange in the United Arab Emirates is seeking a skilled Credit Control Officer to manage customer credit accounts, monitor receivables, and drive timely collections in a fully remote role. You will collaborate with Billing, Sales and Finance to resolve disputes, reconcile ledgers, and enforce credit terms while safeguarding confidentiality and data integrity.

The ideal candidate has mid-level experience in credit control, strong communication skills, and a proven ability to reduce aged

Qualifications

• Experience in credit-control and AR processes.
• Ability to prepare aged-debt and collection reports.
• Strong communication and negotiation skills.

Responsibilities

• Manage assigned customer accounts and monitor receivables.
• Coordinate with Billing and Sales to resolve disputes.
• Reconcile accounts and investigate discrepancies between invoices and payments.
• Monitor aging and prioritize collection activities based on risk.
• Escalate high-risk accounts to management when needed.

Skills

Credit control

Accounts receivable

Collections

Customer communication

Risk management

Education

Degree in finance or accounting

Tools

ERP systems

Job description

We're Hiring: Credit Control Officer

Location: United Arab Emirates (Remote)

Employment Type: Full-Time

Experience Level: Mid-Level

Work Arrangement: Fully Remote

About Us

We are a globally focused organization committed to maintaining strong financial discipline, healthy cash flow, effective receivables management, and sustainable customer relationships across diverse markets.

Our Finance teams collaborate across Accounts Receivable, Billing, Sales, Commercial, Customer Service, Legal, Treasury, and Operations to manage customer credit exposure, accelerate collections, resolve account issues, and reduce financial risk.

The Role

We are seeking an experienced Credit Control Officer to manage customer credit accounts, monitor outstanding receivables, conduct collection activities, resolve payment issues, and support effective credit-risk management.

The ideal candidate will combine strong financial discipline with professional customer communication to ensure invoices are collected on time, overdue balances are actively managed, disputes are resolved efficiently, and customer credit exposure remains within approved limits.

Key Responsibilities

• Manage assigned customer accounts and monitor outstanding receivable balances.
• Review customer account balances, payment histories, credit terms, and aging profiles.
• Monitor overdue invoices and prioritize collection activities based on risk, value, and aging.
• Contact customers by email, telephone, and approved communication channels regarding outstanding balances.
• Issue professional payment reminders and collection notices in accordance with established procedures.
• Follow up systematically on overdue invoices and outstanding commitments.
• Maintain accurate records of all collection activities, customer communications, promises to pay, and dispute status.
• Monitor customer payment commitments and follow up on missed or delayed promises.
• Reconcile customer accounts and investigate discrepancies between invoices, payments, credit notes, and account balances.
• Identify unapplied cash, unidentified receipts, duplicate payments, and other account discrepancies.
• Coordinate with Accounts Receivable teams to ensure customer payments are accurately allocated.
• Investigate disputed invoices and work with Billing, Sales, Commercial, Operations, and Customer Service teams to resolve underlying issues.
• Track customer disputes from initial identification through resolution and closure.
• Ensure valid disputes are escalated appropriately and unsupported disputes are challenged professionally.
• Monitor credit limits and payment terms for assigned customers.
• Identify customers approaching or exceeding approved credit limits.
• Escalate significant credit exposures, persistent overdue balances, and high-risk accounts to management.
• Support customer credit reviews using payment history, financial information, trading behavior, and internal risk indicators.
• Recommend appropriate credit-control actions based on customer risk and payment performance.
• Support the implementation of credit holds, account restrictions, or other controls in accordance with approved policies.
• Coordinate with Sales and Commercial teams before releasing credit holds or extending customer payment terms.
• Monitor adherence to approved credit terms and identify unauthorized extensions or exceptions.
• Review customer account activity for unusual payment behavior or emerging credit risks.
• Maintain accurate customer credit-control records and supporting documentation.
• Prepare regular aged-debt reports and collection-status reports.
• Analyze aging trends by customer, account, business unit, geography, or risk category.
• Identify high-value, long-outstanding, and potentially uncollectible receivables.
• Support bad-debt reviews, provisions, write-offs, and expected-credit-loss assessments where applicable.
• Prepare recommendations for escalation of seriously overdue accounts.
• Coordinate with Legal on accounts requiring formal recovery action or legal escalation.
• Support external collection agencies or recovery partners where approved.
• Maintain appropriate documentation for collection actions and escalations.
• Monitor collection performance against assigned targets and service-level requirements.
• Develop and maintain collection schedules and daily follow-up plans.
• Prioritize collection activities according to customer risk, balance size, aging, and payment behavior.
• Support cash-flow improvement by accelerating overdue receivable collections.
• Work with Treasury and Accounts Receivable teams to ensure timely identification and allocation of customer receipts.
• Review customer statements and provide supporting documentation when requested.
• Respond professionally to customer inquiries regarding account balances, invoices, payments, and credit terms.
• Maintain strong customer relationships while enforcing company credit and collection policies.
• Ensure all collection communications are accurate, professional, consistent, and appropriately documented.
• Ensure customer information and financial data are handled confidentially.
• Comply with applicable internal credit policies, financial controls, and regulatory requirements.
• Maintain appropriate segregation of duties and approval controls in credit-management activities.
• Support internal and external audits by providing customer account records, collection documentation, reconciliations, and supporting evidence.
• Identify recurring causes of delayed payment and recommend corrective actions.
• Work with Billing and Commercial teams to reduce invoice errors and prevent avoidable payment delays.
• Support improvements to billing, dispute-resolution, credit-control, and collection processes.
• Assist with automation and optimization of collection workflows, customer reminders, dashboards, and reporting.
• Maintain accurate records in ERP, accounts-receivable, credit-management, and customer-management systems.
• Prepare management reports covering aging, collections, overdue exposure, disputes, credit risk, and cash-recovery performance.
• Escalate significant collection risks, customer insolvency concerns, and material credit exposures promptly.
• Contribute to continuous-improvement initiatives that strengthen cash collection and reduce credit risk.

Key Performance Indicators

• Total receivables outstanding
• Current receivables percentage
• Overdue receivables percentageDays Sales Outstanding
• Collection effectiveness
• Collection rate
• Cash collected against target
• Monthly collection achievement
• Aging-bucket performance
• High-risk receivables exposure
• Long-overdue balance
• Bad-debt exposure
• Expected-credit-loss exposure
• Customer payment compliance
• Promise-to-pay fulfillment rate
• Promise-to-pay follow-up completion
• Collection contact rate
• Collection response rate
• Invoice dispute rate
• Dispute resolution time
• Dispute closure rate
• Unresolved dispute aging
• Credit-limit compliance
• Credit-hold effectiveness
• Unauthorized credit-term exception rate
• Customer account reconciliation accuracy
• Unapplied cash resolution time
• Unidentified receipt resolution time
• Customer statement accuracy
• Collection forecast accuracy
• Cash-flow contribution
• Recovery of overdue balances
• Recovery of high-risk accounts
• Write-off reduction
• Bad-debt reduction
• Legal escalation rate
• Recovery after escalation
• Collection productivity
• Accounts managed per officer
• Collection cost efficiency
• Customer response time
• Customer service quality
• Credit-control policy compliance
• Audit finding rate
• Credit-control documentation accuracy
• Reporting timeliness
• Credit-risk escalation timeliness
• Process-improvement completion

Ideal Candidate

The successful candidate should have strong experience in credit control, accounts receivable, collections, credit management, finance operations, or customer-account management, preferably within a commercial, multinational, professional-services, technology, retail, logistics, or service-oriented organization.

The candidate should demonstrate:

• Strong understanding of credit-control and accounts-receivable processes.
• Proven experience managing customer accounts and overdue receivables.
• Strong collection and customer-follow-up skills.
• Experience preparing and analyzing aged receivables reports.
• Strong understanding of credit terms, credit limits, payment behavior, and customer risk.
• Experience handling customer payment disputes and account reconciliations.
• Strong negotiation and communication skills.
• Ability to communicate firmly and professionally when requesting overdue payments.
• Strong understanding of invoicing, credit notes, payments, and account adjustments.
• Experience working with ERP, accounts-receivable, credit-management, or CRM systems.
• Strong spreadsheet and data-analysis capabilities.
• Excellent attention to detail and account-management discipline.
• Ability to prioritize high-risk, high-value, and seriously overdue accounts.
• Strong problem-solving and investigation skills.
• Experience coordinating with Sales, Billing, Commercial, Customer Service, Legal, and Finance teams.
• Ability to manage customer relationships while maintaining credit-control standards.
• Strong documentation and record-keeping skills.
• Understanding of bad-debt provisions, write-offs, and expected-credit-loss concepts is desirable.
• Experience supporting legal collections or external recovery agencies is desirable.
• Strong understanding of financial controls and confidentiality requirements.
• Ability to manage multiple accounts, collection deadlines, and competing priorities.
• Strong resilience and professionalism when handling difficult customer conversations.
• Ability to identify recurring collection problems and recommend process improvements.
• Experience with collection automation and credit-control reporting is desirable.
• Experience working with international or distributed teams is highly desirable.
• Relevant qualification in accounting, finance, business, or a related field is desirable.
• Excellent English communication skills; additional languages are an advantage