Senior Credit Collections Specialist بدوام كامل في الإمارات العربية المتحدة
التخصص
المحاسبة والمالية
نوع الدوام
دوام كامل
الخبرة
أي مستوى
الموقع
الإمارات العربية المتحدة
وصف الوظيفة
Job Title: Senior Credit Collections SpecialistLocation: United Arab Emirates (Remote)Employment Type: Full-TimeWork Arrangement: 100% Remote — Work From HomeLevel: SeniorAbout the RoleWe are seeking an experienced and results-driven Senior Credit Collections Specialist to manage overdue accounts, improve debt recovery performance, assess customer credit risk, and maintain effective collection processes. The successful candidate will work closely with finance, accounts receivable, sales, and customer service teams to improve cash flow, minimize credit losses, and resolve outstanding payment issues professionally.The ideal candidate will have strong expertise in credit control, debt collection strategies, account reconciliation, payment negotiations, and credit risk monitoring. This position is designed for fully remote work, with responsibilities performed through secure financial systems, digital communication channels, and online reporting tools.Key ResponsibilitiesCredit Collections Management: Oversee collection activities for overdue customer accounts and ensure timely follow-up on outstanding balances.Overdue Account Monitoring: Review aging reports, prioritize high-risk accounts, and develop appropriate collection plans based on account status and exposure.Customer Communication: Contact customers through approved communication channels to discuss outstanding invoices, payment deadlines, disputes, and repayment arrangements.Payment Negotiation: Negotiate realistic payment plans and settlement arrangements within approved credit policies and delegated authority limits.Credit Risk Assessment: Review customer payment histories, credit limits, outstanding balances, and financial indicators to identify potential collection risks.Debt Recovery Strategy: Develop and implement collection strategies to improve recovery rates and reduce overdue receivables.Account Reconciliation: Investigate payment discrepancies, unapplied receipts, short payments, disputed invoices, and outstanding account balances.Dispute Resolution: Coordinate with sales, billing, customer service, and finance teams to resolve disputes that delay collections.Credit Limit Management: Recommend credit limit reviews, payment-term adjustments, account restrictions, or escalation actions where justified by customer risk.Escalation Management: Escalate persistently overdue, high-value, or potentially uncollectible accounts according to company procedures.Collection Documentation: Maintain accurate records of customer communications, collection actions, payment commitments, disputes, and recovery outcomes.Bad Debt Prevention: Identify early warning signs of payment default and recommend preventive actions to reduce credit losses.Legal and External Recovery Coordination: Coordinate with authorized legal teams or approved external collection agencies when required, following applicable laws and company policies.Cash Flow Reporting: Prepare regular reports covering collection performance, overdue balances, recovery rates, high-risk accounts, and expected receipts.Compliance and Ethical Collections: Ensure collection activities follow applicable UAE laws, contractual obligations, privacy requirements, and internal conduct standards.Portfolio Analysis: Analyze customer payment patterns, delinquency trends, collection effectiveness, and credit exposure to identify improvement opportunities.Cross-Functional Collaboration: Work remotely with accounts receivable, finance, sales, legal, and customer relationship teams to support timely debt recovery.Process Improvement: Recommend improvements to collection workflows, automated reminders, account prioritization, and credit monitoring procedures.Team Guidance: Provide coaching and technical support to junior collections staff handling complex accounts and difficult customer cases.System Management: Maintain accurate customer records and collection notes in ERP, CRM, credit management, and debt collection systems.Qualifications and ExperienceBachelor's degree or diploma in Finance, Accounting, Banking, Business Administration, or a related discipline.At least 5–8 years of relevant experience in credit collections, credit control, debt recovery, accounts receivable, or financial operations.Strong understanding of credit management principles, debt collection procedures, aging analysis, and customer risk assessment.Experience managing overdue accounts, negotiating payment arrangements, and resolving complex collection cases.Knowledge of credit limits, payment terms, delinquency management, and bad debt prevention.Familiarity with UAE business practices, relevant collection requirements, and applicable consumer protection or data privacy obligations, as relevant to the customer portfolio.Experience using accounting systems, ERP platforms, CRM tools, and credit management or collections software.Advanced Microsoft Excel skills for aging analysis, collection reporting, and portfolio monitoring.Strong negotiation, communication, and conflict-resolution skills.Excellent analytical abilities and sound judgment when prioritizing collection cases.High attention to detail and commitment to maintaining accurate financial records and confidential customer information.Ability to manage a large portfolio of accounts and meet collection targets under tight deadlines.Professional qualifications in credit management, accounting, or finance are an advantage.Ability to work independently from home and coordinate effectively with geographically distributed teams.Key Performance Indicators (KPIs)Collection Recovery Rate: Improve the percentage of outstanding debt successfully recovered.Days Sales Outstanding: Reduce or maintain DSO within agreed business targets.Overdue Debt Reduction: Reduce the value and proportion of aged receivables.Promise-to-Pay Performance: Monitor and improve adherence to customer payment commitments.Bad Debt Ratio: Minimize avoidable credit losses and the accumulation of uncollectible balances.Collection Efficiency: Complete follow-ups and escalations within established timelines.Dispute Resolution: Resolve collection-related disputes promptly and reduce delays caused by unresolved billing issues.Credit Risk Monitoring: Identify and escalate high-risk accounts before exposure becomes excessive.Reporting Accuracy: Maintain accurate collection records, aging reports, and recovery forecasts.Compliance Performance: Ensure collection activities comply with approved procedures, contractual terms, and applicable requirements.What We OfferCompetitive compensation based on qualifications and relevant experience.100% remote working arrangement, with responsibilities performed from home through secure digital platforms.Opportunities to contribute to debt recovery, credit risk management, and cash flow improvement.Professional development in credit control, collections strategy, and financial operations.A collaborative, performance-driven environment that values professionalism, accountability, and ethical customer engagement.How to ApplyInterested candidates should submit an updated CV highlighting their credit collections experience, debt recovery achievements, negotiation skills, and knowledge of credit management systems.Applicants are encouraged to include measurable achievements, such as reductions in overdue receivables, improved collection recovery rates, lower bad debt exposure, or successful resolution of complex collection cases.Email Subject Line: Application – Senior Credit Collections Specialist (UAE Remote)We welcome applications from qualified professionals who demonstrate strong financial judgment, effective negotiation skills, and a commitment to improving collections performance while maintaining professional customer relationships.Important: Candidates should confirm applicable employment arrangements, residency requirements, and work authorization before accepting an offer.
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