SME Lending - Operations Lead

Astra Tech; Dubai; On-site; AED 180,000 - 250,000; Full time

Job summary

A leading consumer technology firm in Dubai is seeking an Operations Lead – SME Lending to manage the end-to-end loan lifecycle, ensuring compliance and efficiency. The successful candidate will oversee disbursement processes, lead collections strategies, and collaborate with finance teams. This role requires a minimum of 7 years in credit operations or loan servicing. Competitive compensation and benefits are offered.

Qualifications

• 7+ years of experience in credit operations or loan servicing.
• Strong expertise in reconciliation and credit monitoring.
• Proven experience managing collections and distressed loans.

Responsibilities

• Oversee disbursement processes and ensure turnaround times are met.
• Monitor utilisation rates, repayment schedules, and NPLs.
• Lead collections strategy and execution.

Skills

Credit operations expertise

Loan servicing knowledge

Collections management

Reconciliation skills

Regulatory compliance

Job description

We are a leading UAE-based consumer technology company, building the digital infrastructure of everyday life with a focus on AI-powered fintech, communication, and digital services.

Guided by our philosophy, the Blueprint of Simplicity, we design technology around real human behavior, connecting people, enabling financial access, and making everyday experiences effortless.

Our flagship platform, botim, is the region’s most trusted fintech communication platform, combining secure VoIP with action-based AI and everyday money tools. Through botim money, we provide financial services that serve both individuals and SMEs, making payments, transfers, and credit simpler and more accessible. Today, the platform serves 150M+ users worldwide.

Role Summary

We are seeking an Operations Lead – SME Lending to take ownership of the end-to-end loan lifecycle, from disbursement through to repayment. This role ensures accuracy, compliance, efficiency, and robust portfolio health while driving collections strategy and regulatory adherence.

Responsibilities

• Oversee disbursement processes, ensuring turnaround times (TATs) are consistently met
• Monitor utilisation rates, repayment schedules, and NPLs
• Lead collections strategy and execution, including Direct collections, Third-party collections management.
• Collaborate with finance teams to ensure accurate loan accounting, including Reconciliations, Ledger entries, Provisioning, Reporting.
• Deliver management dashboards covering Portfolio performance, Bad debt ratios, NPL trends
• Ensure strict compliance with CBUAE regulations, meet AML/CFT requirements and ensure internal audit readiness.

Requirements

• 7+ years of experience in credit operations or loan servicing
• Strong expertise in Reconciliation, Ledger accounting and Credit monitoring.
• Proven experience managing collections and distressed loans