Senior Credit Collections Specialist

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 Role

We are seeking an experienced Senior Credit Collections Specialist to manage overdue receivables, strengthen credit collection processes, and improve recovery performance. The role involves monitoring customer credit exposure, analyzing delinquent accounts, coordinating collection strategies, resolving payment disputes, and supporting cash flow improvement initiatives. The successful candidate will combine strong financial analysis skills with professional negotiation and stakeholder management capabilities while working independently in a fully remote environment.

• Key ResponsibilitiesMonitor customer accounts, credit exposure, overdue balances, and collection performance across assigned portfolios.
• Develop and execute structured collection strategies based on aging categories, customer risk profiles, payment history, and outstanding exposure.
• Prioritize delinquent accounts and coordinate timely follow-ups through approved communication channels.
• Contact customers regarding overdue invoices, payment commitments, disputed balances, and outstanding obligations.
• Negotiate proposed payment schedules and recovery arrangements within established policies and delegated authority.
• Analyze receivables aging reports to identify collection trends, high-risk accounts, and potential bad debt exposure.
• Investigate payment delays, billing disputes, unapplied receipts, short payments, and account reconciliation differences.
• Coordinate with accounts receivable, sales, customer service, legal, and finance teams to resolve collection barriers.
• Maintain accurate records of collection activities, customer communications, payment promises, and recovery outcomes.
• Monitor adherence to agreed payment arrangements and escalate missed commitments or deteriorating credit conditions.
• Prepare collection forecasts, recovery reports, delinquency analyses, and portfolio performance dashboards.
• Recommend credit control actions, account restrictions, or escalation measures in accordance with approved policies.
• Support the evaluation of doubtful debts and expected credit loss information by providing relevant account histories and collection evidence.
• Identify recurring causes of delinquency and recommend improvements to billing, dispute resolution, and collection workflows.
• Review collection procedures and internal controls to improve consistency, compliance, and operational efficiency.
• Support internal and external audits by providing collection documentation, reconciliations, and account-level evidence.
• Mentor junior collections staff and provide guidance on collection techniques, documentation standards, and escalation procedures.
• Qualifications and ExperienceBachelor's degree in Accounting, Finance, Business Administration, Economics, or a related discipline.
• Typically 5–8 years of experience in credit collections, credit control, accounts receivable, or debt recovery operations.
• Strong understanding of receivables management, credit risk monitoring, collection strategies, and delinquency management.
• Demonstrated experience managing complex customer portfolios and recovering overdue balances.
• Excellent negotiation, customer communication, and dispute resolution skills.
• Ability to interpret aging reports, payment histories, credit exposure data, and collection performance indicators.
• Knowledge of credit management policies, internal controls, and relevant accounting principles.
• Experience with ERP, accounting, and collection management systems such as SAP, Oracle, Microsoft Dynamics, or equivalent platforms.
• Advanced Microsoft Excel skills and the ability to prepare clear management reports.
• Strong analytical and problem-solving abilities, with a structured approach to investigating overdue accounts.
• High attention to detail and ability to maintain accurate, confidential financial records.
• Ability to manage sensitive customer interactions professionally and objectively.
• Strong written and verbal communication skills.
• Ability to work independently, manage competing priorities, and meet deadlines in a remote environment.
• Professional qualifications such as ACCA, CPA, CMA, or credit management certifications are advantageous.
• What We Offer100% remote working arrangement from within the United Arab Emirates, subject to applicable employment and work authorization requirements.
• Competitive compensation based on qualifications and relevant experience.
• Opportunities to contribute to credit risk management and cash flow improvement initiatives.
• Collaborative working environment with finance and commercial teams.
• Professional development and opportunities for career progression.

How to Apply

Interested candidates should submit an updated CV highlighting their credit collections experience, portfolio management achievements, recovery performance, negotiation skills, and relevant qualifications.

Application Subject: Application – Senior Credit Collections Specialist (UAE Remote)

Candidates should confirm applicable employment arrangements, residency requirements, and work authorization before accepting an offer.

• Remote-work scope and authorization: All portfolio monitoring, account analysis, collection coordination, customer communication, and reporting are performed remotely. Physical cash or cheque handling and in-person recovery activities must be undertaken by qualified local personnel. Binding credit decisions, legal debt recovery representation, enforceable settlement agreements, write-off approvals, regulated reporting, and formal financial statement sign-offs must be handled by appropriately authorized professionals.