Credit Counselor

Azzite; Dubai; On-site; AED 167,000 - 279,000; Full time

Job summary

Azzite is seeking a Credit Counselor to join our Collections team in Dubai on a full-time, on-site basis. You will manage a portfolio of overdue accounts, contacting customers by phone and email, and tracing those who cannot be reached.

You will assess recoverable amounts and negotiate realistic repayment plans while ensuring UAE Central Bank compliance. The role requires 1–3 years in collections or financial services, a finance-related degree, and strong negotiation skills.

Qualifications

• One to three years' experience in collections, credit or financial services.
• A degree in finance, business or a related discipline.
• Strong negotiation skills, and composure when a call becomes difficult.

Responsibilities

• Own an assigned portfolio of overdue accounts from first contact through settlement.
• Contact customers by phone and email; trace unreachable customers.
• Explain clearly what non-payment means for a customer's credit record and borrowing.
• Assess what a customer is able to repay based on income, commitments and debt.
• Negotiate settlements and sustainable repayment plans; convert discussions into firm commitments.
• Record interactions in CRM with commitments and outcomes.
• Work within UAE Central Bank requirements and the client's policies.
• Build a pipeline of future settlements and meet monthly targets.

Skills

Collections

Credit

Financial services

Education

Finance degree

Tools

CRM

Job description

# Credit CounselorDepartment: CollectionsLocation: On-site, Dubai, UAEType: Full-Time## About this roleYou will take ownership of a portfolio of delinquent accounts and see each one through. That means contacting customers by telephone and email, and tracing those who cannot be reached. It means reviewing a customer's income and commitments with them, and setting out clearly what non-payment means for their credit record. You will then agree a repayment plan the customer is able to maintain, and follow it until payment is received. Every action must stand up to review afterwards, both to the client and against UAE Central Bank requirements.## Responsibilities* Take ownership of an assigned portfolio of overdue accounts, from first contact through to settlement* Contact customers by telephone and email, and trace those who cannot be reached* Explain clearly what non-payment means for a customer's credit record and future borrowing* Assess what a customer is able to repay, based on income, commitments and existing debt* Negotiate settlements, repayment plans and restructures that are realistic and sustainable* Convert discussions into firm repayment commitments, and follow them through to completion* Record every interaction in the CRM, including the commitment given and the outcome* Work within UAE Central Bank requirements and the client's own policies on every contact* Build a pipeline of future settlements rather than working only the current month's allocation* Meet the monthly recovery and billing targets set for the portfolio## Requirements* One to three years' experience in collections, credit or financial services* A degree in finance, business or a related discipline* Strong negotiation skills, and composure when a call becomes difficult* The ability to interpret a customer's financial position and reach a sound conclusion* CRM discipline, and sufficient reporting ability to maintain accurate figures## Nice to have* Experience in the UAE market* Experience tracing customers who cannot be reached* A credit or collections certification## Interested? Send us your CV.It takes a few minutes, and it goes directly to the people responsible for hiring.(with country code)Your CVNo file attached(PDF, DOC or DOCX, up to 2 MB)(optional)What happens to your CV and details is set out in our Privacy Policy.