Collections Officer

Confidential Company

Employer Active

Posted 5 min ago

Experience

2 - 5 Years

Job Location

Abu Dhabi, Dubai - United Arab Emirates (UAE)

Education

Bachelor of Commerce

Nationality

Any Nationality

Gender

Any

Vacancy

1 Vacancy

Job Description

Roles & Responsibilities

The Collections Officer is responsible for managing delinquent customer accounts and ensuring the timely recovery of outstanding payments while maintaining professional, respectful, and solution-oriented customer relationships. The role involves proactively monitoring overdue accounts, contacting customers through approved communication channels, and negotiating sustainable repayment plans in line with company policies and regulatory requirements. The officer evaluates customers’ financial situations, identifies root causes of delinquency, and determines appropriate collection strategies, including restructuring, settlements, or escalation of complex or high-risk cases when necessary.


A key aspect of the role is providing debt counseling to customers experiencing financial difficulties. This includes guiding customers on repayment options, increasing awareness of financial obligations, and proposing realistic and sustainable payment plans that balance customer affordability with the organization’s recovery objectives. The Collections Officer is expected to demonstrate empathy, professionalism, and strong negotiation skills while ensuring ethical collection practices. The role requires strict adherence to Consumer Protection Regulations (CPR), Market Conduct standards, and Central Bank regulations, including those issued by Central Bank of the UAE, as well as all applicable laws related to debt collection, data privacy, and customer rights.


Key Responsibilities

Debt Recovery & Portfolio Management

  • Achieve assigned recovery targets

  • Reduce delinquency ratios and non-performing accounts

  • Maintain high portfolio quality


Customer Engagement, Compliance & Debt Counseling

  • Deliver compliant, ethical, and professional customer interactions

  • Provide effective debt counseling and repayment solutions

  • Ensure full adherence to CPR, Market Conduct, and regulatory standards

Desired Candidate Profile

Technical Requirements

Domain Expertise:

  • Debt collection and recovery strategies

  • Credit risk assessment

  • Consumer Protection Regulations (CPR)

  • Market Conduct principles

  • UAE banking and collections regulations


Critical Methodology:

  • Collections lifecycle management

  • Skip tracing and contact strategies

  • Negotiation and settlement techniques

  • Debt restructuring and repayment planning

  • Compliance and audit readiness practices


Systems/Software:

  • CRM systems (e.g., Salesforce or equivalent)

  • Core banking/collections systems

  • Microsoft Excel (reporting & tracking)

  • Dialer systems / collection platforms

  • Reporting tools (e.g., Power BI)


Experience: 2–5 years of experience in collections, banking, or financial services

Certifications: Knowledge/training in CPR & regulatory compliance (preferred)

Employment Type

    Full Time

Company Industry

Department / Functional Area

Keywords

  • Debt Collection And Recovery Strategies
  • Credit Risk Assessment
  • Consumer Protection Regulations CPR
  • UAE Banking And Collections Regulations
  • Market Conduct Principles

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Confidential Company