Manager - Islamic Collections

First Abu Dhabi Bank; Al Ruways Industrial City; On-site; AED 334,800 - 502,200; Full time

Job summary

First Abu Dhabi Bank is looking for a Manager - Islamic Collections in Abu Dhabi. This pivotal role focuses on managing Islamic retail collections, particularly for overdue home finance accounts. Candidates should have substantial experience in Islamic banking collections, strong customer negotiation skills, and a rigorous approach to achieving financial targets while adhering to compliance standards.

Join us and enjoy a meaningful opportunity to enhance portfolio quality and contribute to NPL recovery within our esteemed banking institution.

Qualifications

• Experience in Islamic banking collections, retail collections, home finance recovery, mortgage collections, or NPL management.
• Strong understanding of Islamic retail products, particularly home finance accounts and delinquency handling.
• Ability to negotiate professionally with customers.

Responsibilities

• Directly manage Islamic retail collections activity for overdue home finance accounts.
• Drive resolution of delinquent accounts and support recovery of non-performing loans.
• Ensure recovery activity remains aligned with bank policies and procedures.

Skills

Islamic banking collections

Retail collections

Home finance recovery

Non-performing loan recovery

Delinquent account resolution

Customer negotiation

Repayment arrangement

Settlement planning

Portfolio monitoring

Education

Bachelor's degree in Finance, Banking, Business, Accounting, Economics, or a related discipline

Job description

Job Snapshot

Role: Manager - Islamic Collections

Location: Abu Dhabi, United Arab Emirates

Industry: Banking

Function: Collections

Experience: Relevant Islamic retail collections experience

Job Type: Full-time

Salary: 30000-45000

Gender: AnyCandidate Nationality: Any

Overview

Manager - Islamic Collections in Abu Dhabi, United Arab Emirates is a Banking role focused on directly managing Islamic retail collections, primarily home finance accounts, while supporting recovery of non-performing loans and resolution of delinquent customer portfolios. This opportunity is suited for a collections professional with strong Islamic banking product knowledge, recovery management experience, customer negotiation capability, and the discipline to achieve financial targets while maintaining compliance and customer treatment standards.

Key Responsibilities

• Directly manage Islamic retail collections activity, with particular focus on overdue home finance accounts.
• Drive resolution of delinquent accounts in line with assigned collection targets, recovery priorities, and portfolio performance expectations.
• Support effective recovery of non-performing loans through structured follow-up, customer engagement, negotiation, and remedial planning.
• Review allocated accounts to understand overdue status, customer history, product structure, repayment behavior, and possible recovery options.
• Develop practical account resolution strategies that support cash recovery, portfolio improvement, and reduction of delinquency flow.
• Negotiate with customers to agree suitable repayment arrangements, settlements, restructuring discussions, or other approved remedial solutions.
• Monitor high-risk accounts and escalate cases requiring accelerated action, legal review, or senior management attention.
• Ensure recovery activity for Islamic home finance accounts remains aligned with bank policies, product guidelines, and approved collection procedures.
• Track monthly performance against financial targets for delinquent account resolution and NPL recovery.
• Maintain accurate records of customer discussions, promises to pay, agreed actions, account updates, and escalation decisions.
• Work closely with internal teams such as credit, legal, compliance, operations, customer service, and recovery support to complete required actions.
• Review portfolio trends, overdue movements, collection effectiveness, and unresolved cases to identify areas requiring stronger action.
• Support improvement of collection strategies for Islamic retail products through disciplined monitoring and practical recovery feedback.
• Ensure customer interactions are handled professionally, fairly, and within the bank's code of conduct.
• Maintain compliance with legal, regulatory, KYC, AML, customer protection, and internal governance requirements during collection activity.
• Protect the bank's reputation by ensuring recovery actions are controlled, documented, and appropriate to the customer and account situation.

Ideal Profile

• Bachelor's degree in Finance, Banking, Business, Accounting, Economics, or a related discipline.
• Experience in Islamic banking collections, retail collections, home finance recovery, mortgage collections, or NPL management.
• Strong understanding of Islamic retail products, particularly home finance accounts and related delinquency handling.
• Good knowledge of collections processes, overdue account resolution, recovery planning, and non-performing loan management.
• Ability to negotiate professionally with customers and identify practical repayment or settlement solutions.
• Strong awareness of banking compliance, customer treatment standards, legal escalation, KYC, AML, and internal collection controls.
• Ability to review account history, assess recovery potential, prioritize high-risk cases, and recommend suitable next steps.
• Strong communication skills with the ability to manage sensitive customer conversations and internal stakeholder coordination.
• Good analytical ability to track performance, monitor delinquency movement, and evaluate collection outcomes.
• Target-driven mindset with the discipline to manage portfolio performance under pressure.
• Professional judgment, confidentiality, persistence, and commitment to responsible banking practices.

Skills Set

• Islamic banking collections
• Retail collections
• Home finance recovery
• Non-performing loan recovery
• Delinquent account resolution
• Mortgage collections
• Customer negotiation
• Repayment arrangement
• Settlement planning
• Remedial action
• Portfolio monitoring
• Collection target achievement
• High-risk account escalation
• Account history review
• Recovery strategy
• Customer follow-up
• Collection documentation
• Legal escalation awareness
• KYC compliance
• AML compliance
• Customer treatment standards
• Banking operations
• Internal stakeholder coordination
• Performance tracking
• Risk-based collections

Why Join Us

This role offers a meaningful opportunity to manage Islamic retail collections within Abu Dhabi's Banking sector while contributing directly to portfolio quality, NPL recovery, and disciplined account resolution. The position provides exposure to Islamic home finance products, customer recovery discussions, portfolio performance management, and cross-functional banking coordination. It is a strong fit for a collections professional who wants to build deeper expertise in Islamic banking recovery and help deliver measurable financial outcomes in a controlled banking environment.

About the Company

First Abu Dhabi Bank (FAB) is a leading UAE financial institution.