Senior Credit Collections Specialist

SBS Student Activity; Abu Dhabi; Remote; AED 180,000 - 360,000; Full time

Benefits offered by this job

Remote working flexibility

Career development opportunities

Collaborative environment

Job summary

SBS Student Activity in the United Arab Emirates is seeking a Senior Credit Collections Specialist to manage overdue accounts, negotiate settlements, and improve debt recovery across construction and commercial activities. This fully remote role requires strong negotiation and analytical skills and familiarity with UAE credit practices.

The ideal candidate has 5–8 years of experience in credit control or collections, proficient Excel/ERP skills, and the ability to collaborate with Finance,

Qualifications

• Bachelor's degree or diploma in Accounting, Finance, Business Administration, or a related field.
• At least 5–8 years of experience in credit control, debt collection, or accounts receivable.
• Experience in construction, contracting, or project-based businesses is an advantage.
• Strong knowledge of collection strategies, credit risk assessment, and aging analysis.
• Proficiency in Excel and ERP systems.

Responsibilities

• Manage collection activities for outstanding customer accounts and overdue invoices.
• Develop and implement collection strategies based on account risk, aging, and history.
• Contact customers to negotiate payment arrangements and secure timely settlements.
• Monitor aging reports, overdue balances, and collection performance.
• Coordinate with AR, Commercial, Contracts, and PM teams to resolve issues.
• Review credit limits, terms, and exposure per policy.
• Escalate high-risk accounts to management when needed.
• Maintain accurate records of communications and recovery actions.
• Prepare collection forecasts and management updates.

Skills

Negotiation

Communication

Analytical

Problem-solving

Debt collection

Education

Bachelor's degree or diploma in Accounting, Finance, or related field

Tools

Microsoft Excel

ERP systems

Job description

We're Hiring: Senior Credit Collections Specialist

Location: United Arab Emirates (Remote)

Employment Type: Full-Time

Experience Level: Mid-Level to Senior

Work Arrangement: Fully Remote, subject to business requirements

About Us

We are a construction-focused organization committed to financial stability, effective credit management, and sustainable business operations. Our teams collaborate across Finance, Commercial, Contracts, and Project Management to maintain healthy cash flow, manage credit risks, and strengthen customer relationships.

The Role

We are seeking an experienced Senior Credit Collections Specialist to manage overdue accounts, coordinate collection activities, resolve payment disputes, and improve debt recovery performance. The ideal candidate will have strong credit control expertise, negotiation skills, and experience managing collections in construction, contracting, or commercial environments.

Key Responsibilities

• Manage collection activities for outstanding customer accounts and overdue invoices.
• Develop and implement collection strategies based on account risk, aging, and payment history.
• Contact customers to negotiate payment arrangements and secure timely settlements.
• Monitor accounts receivable aging reports, overdue balances, and collection performance.
• Investigate payment delays, billing disputes, deductions, and unresolved account discrepancies.
• Coordinate with Accounts Receivable, Commercial, Contracts, and Project Management teams to resolve collection issues.
• Review customer credit limits, payment terms, and credit exposure in accordance with company policies.
• Identify high-risk accounts and escalated significant collection concerns to management.
• Maintain accurate records of collection communications, commitments, disputes, and recovery actions.
• Prepare collection forecasts, overdue account reports, and management updates.
• Monitor adherence to agreed payment plans and follow up on missed commitments.
• Support credit risk assessments and recommend appropriate credit control measures.
• Coordinate with Legal teams on accounts requiring formal notices or further recovery action.
• Ensure compliance with applicable UAE regulations, contractual terms, and internal financial controls.
• Identify opportunities to improve collection workflows, reduce overdue balances, and strengthen cash flow.

Qualifications and Experience

• Bachelor's degree or diploma in Accounting, Finance, Business Administration, or a related field.
• At least 5-8 years of experience in credit control, debt collection, or accounts receivable.
• Experience in construction, contracting, commercial credit, or project-based businesses is an advantage.
• Strong knowledge of collection strategies, credit risk assessment, payment negotiations, and aging analysis.
• Proficiency in Microsoft Excel and accounting or ERP systems.
• Excellent negotiation, communication, analytical, and problem-solving skills.
• Familiarity with UAE commercial and credit management practices is an advantage.

Preferred Certifications

• Credit management or credit control certification.
• ACCA, CPA, CIMA, or equivalent accounting qualifications.
• Relevant training in debt recovery, risk management, or financial analysis.

Key Performance Indicators (KPIs)

• Collection rates and reduction in overdue balances.
• Improvement in days sales outstanding (DSO).
• Recovery of high-risk and delinquent accounts.
• Adherence to collection targets and follow-up schedules.
• Timely resolution of payment disputes.
• Accuracy of collection reports and credit risk records.

What We Offer

• Competitive compensation based on experience and qualifications.
• Remote working flexibility.
• Opportunities to support diverse construction and commercial operations.
• A collaborative and professional working environment.
• Career development and advancement opportunities.