Senior SME Collections & Recovery Lead - UAE Field

Astra Tech Group; Abu Dhabi; On-site; AED 180,000 - 300,000; Full time

Job summary

Astra Tech Group is seeking an SME Collections Supervisor in the UAE to own recovery performance from early delinquency to legal handover. You will manage a portfolio of SME term loans and working-capital facilities, combining desk-based portfolio management with field visits to business premises and guarantors.

You will coordinate with external counsel and third-party collection agencies, while coaching in-house collectors and ensuring adherence to UAE regulations and SME SOPs.

Qualifications

• Minimum 2 years of hands-on experience in SME or commercial collections within a bank, finance company, fintech lender or collection agency.
• Proven track record of field visits and negotiating directly with business owners.
• Experience managing or working closely with third-party collection agencies.
• Knowledge of UAE legal recovery process including returned cheque cases, civil claims and execution.

Responsibilities

• Own collections performance on the assigned SME portfolio across delinquency buckets, with accountability for roll rates, cure rates and net recoveries.
• Segment accounts by exposure, DPD, business health and collateral or guarantee position, and set treatment strategy per segment.
• Negotiate and structure repayment plans, settlements and restructures within delegated authority, escalating exceptions with a clear commercial rationale.
• Identify early warning signals (falling account turnover, returned cheques, trade licence expiry, owner travel) and act before accounts roll.
• Prepare legal-referral files and coordinate with external counsel on civil cases, execution and travel ban proceedings.
• Plan and conduct field visits to business premises and guarantors, prioritised by exposure and risk.
• Verify business continuity, operating status and asset position, and document findings in a structured visit report within 24 hours.
• Hold face-to-face negotiations with business owners to secure PTPs, restructures or settlements.
• Run skip tracing on absconding or non-contactable customers using internal data and field intelligence.
• Manage day-to-day relationships with assigned collection agencies, track performance against SLAs, and review agency invoices.
• Produce weekly and monthly MIS reporting on portfolio health, recoveries, legal pipeline and agency performance.
• Supervise and coach in-house SME collectors with daily huddles and case reviews.

Skills

Negotiation

Field visits

Data analysis

Communication

Problem solving

Education

Bachelor's degree in Business/Finance or related field

Tools

Excel

Job description

Astra Tech Group is seeking an SME Collections Supervisor in the UAE to own recovery performance from early delinquency to legal handover. You will manage a portfolio of SME term loans and working-capital facilities, combining desk-based portfolio management with field visits to business premises and guarantors.

You will coordinate with external counsel and third-party collection agencies, while coaching in-house collectors and ensuring adherence to UAE regulations and SME SOPs.