Credit Controller, Instalment & Cheque Controls Specialist

LanceSoft Middle East; Ras Al Khaimah; On-site; AED 120,000 - 200,000; Full time

Job summary

A financial services company is seeking a Credit Controller specializing in Instalment and Cheque Controls. The role involves supervising cheque payments, ensuring proper documentation, and enhancing payment processes. Candidates should have experience in credit control, strong communication skills, and the ability to maintain confidentiality and accuracy in all transactions.

Qualifications

• Experience in credit control and cheque management.
• Strong understanding of financial documentation requirements.
• Ability to coach and communicate with staff and customers.

Responsibilities

• Supervise the flow of cheque payments from arrival to payment counter.
• Verify required documentation like AECB reports and Emirates IDs.
• Investigate and report discrepancies in cheque transactions.

Skills

Cheque processing

Documentation verification

Customer communication

Problem-solving

Job description

Title: Credit Controller, Instalment & Cheque Controls Specialist

Location: Ras AL Khaima, UAE ( Onsite)

Job Type: 6 + Months

Rate - 5000 - 8000 AED / Month

Core Responsibilities

• Supervise the end‑to‑end flow of customers paying by cheque—personal, corporate and third‑party—from arrival through to payment counter, ensuring strict adherence to Cheque
• Acceptance guidelines.
• Verify all required documentation prior to payment, including:
• AECB credit report (score ≥ 680) or Cheque Clearance Indicator for low‑risk clients
• Clear, valid copy of the cheque‑drawer’s Emirates ID
• Signed undertaking letter accepting responsibility for the cheque.
• Understand and explain to clients the possible reasons for a “No Score” (insufficient data, deceased issuer, unreported IBAN) and consult AECB FAQs as needed.
• When AECB reports are unavailable or inconclusive, advise customers on alternative
• payment methods (Easy Payment Plan, Tabby) or request full upfront payment.
• Investigate and report any discrepancies (mismatched signatures, stale/post‑dated cheques, unauthorized endorsements) immediately to the case owner.
• Log all cheque‑related exceptions, follow‑up actions, and resolutions in the shared tracking system in real time.
• Coach and equip cashiers with a consistent script—developed in collaboration with business stakeholders—to communicate documentation requirements and avoid customer complaints.
• Liaise with Customer Experience, sales team and Finance team to escalate high‑risk exceptions and ensure timely debt‑recovery measures.
• Regularly review and propose enhancements to cheque‑handling procedures, forms, and checklists to close any control gaps.
• Provide daily status updates on cheque volumes, exception rates and resolution progress to line manager.
• Promote alternative payment options to customers seeking instalment payments by PDC, including Easy Payment Plan by credit card and Tabby installments.
• Guide customers through setting up a Direct Debit Mandate, highlighting benefits over PDCs.
• Support daily cheque‑scanning activities and ensure timely delivery of all collected cheques to the bank.
• Call customers with bounced cheques to follow-up and arrange resolution.
• Maintain the highest standards of accuracy, confidentiality, and professional conduct in all interactions.
• Perform all other reasonable administrative duties related to cheque monitoring, collections, and credit control, including filing and archiving