Senior Credit Collections Specialist

Hotel Gold Regency; Vereinigte Arabische Emirate; Hybrid; AED 223.000 - 357.000; Vollzeit

Benefits dieser Stelle

Competitive salary

Incentives

Diverse portfolios

Professional development

Career growth

Collaborative environment

Zusammenfassung

Hotel Gold Regency is seeking a Senior Credit Collections Specialist to manage overdue accounts, optimize recovery, and support credit risk management in the UAE. The role requires strong negotiation, analytical skills, and knowledge of UAE regulations.

You will oversee disputes, monitor aging, and coordinate with Finance, Sales, and Legal to maximize recovery. The position is full-time, on-site/hybrid depending on business needs, and requires 5–8 years of relevant experience with proven

Qualifikationen

• Bachelor's degree in Finance, Accounting, or related discipline.
• 5–8 years of experience in credit collections, debt recovery, or accounts receivable management.
• Experience negotiating repayment plans and resolving complex collection cases.
• Strong understanding of credit risk assessment, delinquency management, and recovery procedures.
• Familiarity with UAE commercial, contractual, and debt recovery requirements.
• Experience analyzing customer payment behavior and collection performance data.
• Proficiency in Microsoft Excel and familiarity with ERP/CRM systems.

Aufgaben

• Oversee collection activities for overdue accounts and ensure timely follow-up on outstanding balances.
• Develop and implement effective recovery strategies to reduce delinquent balances and improve collection results.
• Review aging reports, payment histories, customer credit profiles, and outstanding balances to prioritize collection efforts.
• Contact customers through appropriate channels to discuss overdue payments and establish repayment commitments.
• Negotiate payment plans, settlements, and repayment schedules within policy and authorization limits.
• Identify high-risk accounts and assess likelihood of recovery to guide escalation.
• Investigate payment disputes, billing discrepancies, unapplied receipts, and customer complaints with Finance and other departments.
• Segment accounts by risk and delinquency to improve recovery efficiency.
• Recommend actions for persistently overdue accounts, including referrals to external agencies where applicable.
• Monitor promised payments and maintain accurate records of collection activities.
• Coordinate with credit teams to review limits, terms, and credit exposure.
• Provide collection updates to support doubtful debt provisions and loss calculations.
• Prepare regular reports on collection performance, overdue balances, and recovery trends.
• Ensure compliance with UAE laws, data protection, and internal policies.
• Maintain complete records of communications, settlements, disputes, and recovery actions.
• Collaborate with Accounts Receivable, Sales, Legal, and Finance to resolve issues.
• Guide junior staff and ensure consistent application of procedures.
• Identify opportunities to automate reminders and improve workflows.

Kenntnisse

Negotiation skills

Communication

Financial analysis

Credit risk

Attention to detail

Stakeholder management

Team supervision

Ausbildung

Bachelor's degree in Finance/Accounting/Business Administration/Banking

Tools

Microsoft Excel

ERP/CRM systems

Jobbeschreibung

Job Title: Senior Credit Collections Specialist

Location: UAE

Employment Type: Full-Time

Work Arrangement: On-Site / Hybrid, depending on business requirements

Level: Senior

About Us

We are seeking an experienced and results-driven Senior Credit Collections Specialist to manage overdue accounts, improve debt recovery performance, and support effective credit risk management. The successful candidate will oversee collection activities, negotiate repayment arrangements, investigate payment disputes, and maintain professional relationships with customers while ensuring compliance with company policies and applicable UAE regulations.

The ideal candidate will possess strong negotiation skills, financial analysis capabilities, and a thorough understanding of credit control, debt recovery, and collections strategies.

Key Responsibilities

• Collections Management: Oversee collection activities for overdue accounts and ensure timely follow-up on outstanding customer balances.
• Debt Recovery: Develop and implement effective recovery strategies to reduce delinquent balances and improve collection results.
• Account Monitoring: Review aging reports, payment histories, customer credit profiles, and outstanding balances to prioritize collection efforts.
• Customer Communication: Contact customers through appropriate channels to discuss overdue payments, resolve concerns, and establish realistic repayment commitments.
• Payment Negotiation: Negotiate payment plans, settlement arrangements, and repayment schedules within approved policies and authorization limits.
• Credit Risk Assessment: Identify high-risk accounts, assess the likelihood of recovery, and recommend appropriate escalation or recovery actions.
• Dispute Resolution: Investigate payment disputes, billing discrepancies, unapplied receipts, and customer complaints in collaboration with finance and other departments.
• Collections Strategy: Segment accounts based on risk, delinquency, outstanding exposure, and payment behavior to improve recovery efficiency.
• Escalation Management: Recommend appropriate actions for persistently overdue accounts, including referral to legal teams or authorized external collection agencies where applicable.
• Payment Tracking: Monitor promised payments, follow up on missed commitments, and maintain accurate records of collection activities.
• Credit Control Coordination: Work with credit teams to review customer credit limits, payment terms, account restrictions, and credit exposure.
• Provisioning Support: Provide collection updates and recovery assessments to support doubtful debt provisions and expected credit loss calculations where applicable.
• Reporting and Analysis: Prepare regular reports on collection performance, overdue balances, recovery rates, delinquency trends, and high-risk accounts.
• Compliance Management: Ensure all collection activities comply with applicable UAE laws, contractual requirements, data protection obligations, and internal policies.
• Documentation: Maintain complete and accurate records of customer communications, payment commitments, settlements, disputes, and recovery actions.
• Cross-Department Collaboration: Coordinate with accounts receivable, sales, customer service, legal, and finance teams to resolve outstanding account issues.
• Team Supervision: Guide junior collections staff, review case progress, and support consistent application of collection procedures.
• Process Improvement: Identify opportunities to automate collection reminders, improve account prioritization, and streamline recovery workflows.

Qualifications and Experience

• Bachelor's degree or diploma in Finance, Accounting, Business Administration, Banking, or a related discipline.
• At least 5–8 years of relevant experience in credit collections, debt recovery, credit control, or accounts receivable management.
• Previous experience managing overdue portfolios, negotiating repayment plans, and resolving complex collection cases.
• Strong understanding of credit risk assessment, delinquency management, aging analysis, and debt recovery procedures.
• Familiarity with applicable UAE commercial, contractual, and debt recovery requirements.
• Experience analyzing customer payment behavior, outstanding exposure, and collection performance data.
• Proficiency in Microsoft Excel and familiarity with ERP, CRM, and collection management systems.
• Strong negotiation, communication, problem-solving, and conflict resolution skills.
• Ability to manage high-volume portfolios while prioritizing accounts according to risk and recovery potential.
• Excellent documentation, reporting, and organizational abilities.
• High standards of professionalism, confidentiality, ethical conduct, and customer service.
• Experience working with external collection agencies or legal recovery teams is an advantage.
• Relevant credit management or financial services certifications are desirable.
• Previous experience supervising collection teams or mentoring junior specialists is preferred.

Key Performance Indicators (KPIs)

Performance will be evaluated against agreed collection, recovery, and risk management objectives, including:

• Collection Rate: Achieve established collection targets for assigned accounts and portfolios.
• Overdue Debt Reduction: Reduce the value and volume of overdue receivables.
• Recovery Rate: Improve recovery outcomes for delinquent and high-risk accounts.
• Days Sales Outstanding (DSO): Support improvements in payment collection cycles where applicable.
• Promise-to-Pay Fulfillment: Monitor customer payment commitments and follow up promptly on missed promises.
• Delinquency Management: Reduce the number of accounts progressing into more severe delinquency categories.
• Dispute Resolution: Resolve collection-related disputes efficiently and minimize avoidable delays.
• Portfolio Quality: Identify high-risk accounts early and implement appropriate recovery strategies.
• Compliance Performance: Maintain adherence to approved collection procedures, contractual terms, and applicable regulations.
• Reporting Accuracy: Deliver timely and accurate collection reports and account status updates.
• Customer Relationship Management: Maintain professional communication while pursuing outstanding payments effectively.
• Team Productivity: Improve case resolution, collection efficiency, and adherence to follow-up schedules.

What We Offer

• Competitive salary based on qualifications and experience.
• Performance-based incentives, where applicable.
• Opportunities to work with diverse customer portfolios and complex recovery cases.
• Professional development in credit management, collections strategy, and financial risk assessment.
• Career advancement opportunities within credit control, receivables management, and financial operations.
• A collaborative working environment focused on accountability, ethical collections, and measurable results.