Job Title: Senior Credit Collections Specialist
Location: United Arab Emirates (Remote)
Employment Type: Full-Time
Work Arrangement: 100% Remote — Work From Home
Level: Senior
About the RoleWe are seeking an experienced Senior Credit Collections Specialist to oversee customer debt recovery, credit control activities, overdue account management, and collections performance monitoring. This role focuses on improving payment recovery, reducing overdue receivables, resolving account disputes, and supporting effective credit risk management.
The successful candidate will work remotely with finance, sales, customer service, and account management teams to manage collection portfolios, coordinate payment follow-ups, and maintain accurate customer account records.
Key Responsibilities
- * Manage and monitor a portfolio of customer accounts with outstanding balances and overdue payments.
- Develop and implement structured collection strategies based on customer payment history, outstanding exposure, and account risk.
- Review accounts receivable aging reports and prioritize collection activities.
- Conduct professional payment follow-ups through approved email, telephone, and digital communication channels.
- Analyze customer payment patterns and identify accounts requiring additional attention or escalation.
- Investigate overdue balances, disputed invoices, unapplied payments, and reconciliation discrepancies.
- Coordinate with internal finance and commercial teams to resolve billing disputes and outstanding account issues.
- Prepare collection reports, recovery forecasts, and account status updates for management.
- Monitor collection performance indicators, including recovery rates, overdue balances, and days sales outstanding (DSO).
- Support the development and maintenance of customer credit control procedures and collection policies.
- Review customer payment arrangements and maintain accurate records of agreed payment schedules.
- Identify potential bad debt exposures and recommend appropriate escalation or review actions.
- Assist with credit risk assessments using available customer financial information and payment behavior.
- Maintain complete digital records of collection correspondence, payment commitments, disputes, and account actions.
- Coordinate with authorized legal or external recovery representatives when accounts require formal escalation.
- Support month-end reporting, receivables reconciliations, and audit evidence preparation.
- Identify opportunities to improve collection workflows, reporting accuracy, and recovery efficiency.
- Ensure customer information is handled confidentially and in accordance with applicable data protection and internal control requirements.
Qualifications and Experience
- * Bachelor's degree in Accounting, Finance, Business Administration, Economics, or a related discipline.
- Significant professional experience in credit control, debt collections, accounts receivable, or credit risk operations.
- Strong understanding of receivables management, collection procedures, credit control principles, and financial reconciliation.
- Experience managing overdue customer accounts and developing effective payment recovery strategies.
- Knowledge of credit risk indicators, customer payment behavior, aging analysis, and bad debt monitoring.
- Familiarity with UAE commercial practices and relevant financial documentation requirements.
- Experience using ERP, accounting, credit management, and collections platforms such as SAP, Oracle, or Microsoft Dynamics.
- Advanced proficiency in Microsoft Excel and financial reporting tools.
- Strong analytical and problem-solving skills, with the ability to investigate complex account discrepancies.
- Excellent communication, negotiation, and stakeholder coordination skills.
- Ability to manage sensitive financial information professionally and confidentially.
- Strong organizational skills and the ability to manage multiple collection priorities in a fully remote environment.
- Professional qualifications such as ACCA, CPA, CMA, or relevant credit management certifications are advantageous.
What We Offer
- * A 100% remote working arrangement from home.
- Competitive compensation aligned with experience and qualifications.
- Opportunities to contribute to credit risk management and cash flow improvement.
- Exposure to customer portfolio analysis, debt recovery strategies, and financial operations.
- Professional development in credit control, collections, and receivables management.
- A collaborative working environment with finance, commercial, and customer service teams.
How to ApplyInterested candidates should submit an updated CV highlighting relevant experience in credit collections, debt recovery, accounts receivable, customer account management, and credit control.
Application Subject: Application – Senior Credit Collections Specialist (UAE Remote)
Candidates should confirm applicable employment arrangements, residency requirements, and work authorization before accepting an offer.
- Important Role Scope: This is a fully remote credit analysis, account monitoring, documentation review, reporting, and digital collection coordination position. Physical cash or cheque handling and in-person collection activities must be performed by qualified local personnel. Binding credit decisions, legally enforceable debt settlement agreements, debt write-off approvals, legal proceedings, formal financial statement sign-offs, and regulated reporting must be handled by appropriately authorized finance, legal, or compliance professionals.
