Qureos Mentor

American Express Saudi Arabia

<div>
 
 
 Job Purpose:
 
 
 
 The Head of Pre Write-Off Collection is responsible for leading and overseeing all collection activities prior to write-off, with the objective of maximizing recoveries, minimizing credit losses, and ensuring compliance with regulatory and internal policies. The role focuses on developing effective collection strategies, managing delinquent portfolios, improving cure rates, and driving team performance through strong governance, analytics, and customer-centric recovery approaches, while aligning with the organization&rsquo;s risk appetite and regulatory requirements.&nbsp;
 
 
 
 
 
 
 Key Responsibilities:
 
 
 
 &bull;&nbsp;Develop and implement pre-write-off collection strategies to reduce delinquency levels and maximize recoveries across all early, mid, and late-stage delinquent portfolios.
 
 
 &bull;&nbsp;Oversee day-to-day collection operations, ensuring timely and effective follow-up on overdue accounts prior to write-off.
 
 
 &bull;&nbsp;Monitor portfolio performance, including roll rates, cure rates, bucket movement, and recovery trends, and take corrective actions where needed.
 
 
 &bull;&nbsp;Ensure full compliance with internal policies, regulatory requirements, and customer protection standards.
 
 
 &bull;&nbsp;Lead, coach, and manage collection teams, setting clear performance targets and driving productivity and quality outcomes.
 
 
 &bull; Design and optimize collection workflows, segmentation, and treatment strategies based on risk, behaviour, and customer profiles.
 
 
 &bull;&nbsp;Review and approve restructuring, rescheduling, and settlement proposals within delegated authority.
 
 
 &bull;&nbsp;Drive continuous improvement through data analytics, automation, and system enhancements.
 
 
 &bull;&nbsp;Prepare and present regular management reports on portfolio performance, risks, and recovery outcomes.
 
 
 &bull;&nbsp;Manage escalation cases and high-risk exposures, ensuring timely resolution prior to write-off.
 
 
 
 
 
 
 Minimum Qualifications:
 
 
 
 &bull;&nbsp;Bachelor&rsquo;s degree in finance, Business Administration, Economics, Accounting, or a related field.
 
 
 &bull;&nbsp;Minimum of 8&ndash;12 years of experience in collections, credit risk, or recovery functions within a bank or financial institution, with at least 4&ndash;6 years in a managerial or leadership role.
 
 
 &bull;&nbsp;Strong knowledge of pre-write-off collection strategies, delinquency management, and recovery techniques across retail and/or SME portfolios.
 
 
 &bull;&nbsp;Fluent in Arabic and English (spoken and written) &ndash; mandatory.
 
 
 &bull;&nbsp;Solid understanding of regulatory requirements, customer protection standards, and compliance frameworks.
 
 
 &bull;&nbsp;Proven experience in portfolio analytics, performance monitoring (roll rates, cure rates, NPLs), and strategy optimization.
 
 
 &bull;&nbsp;Demonstrated leadership, people management, and stakeholder engagement skills.
 
 
 &bull;&nbsp;Experience in managing outsourced collection agencies and service providers.
 
 
 &bull;&nbsp;Strong communication, reporting, and decision-making skills.
 
 
 &bull;&nbsp;Proficiency in collection systems, MIS reporting, and data analysis tools.
 
 
 
 
 
 
 Required Skills &amp; Competencies:
 
 
 
 &bull;&nbsp;Strategic Thinking: Ability to design and execute effective pre-write-off collection strategies aligned with business objectives and risk appetite.
 
 
 &bull;&nbsp;Leadership &amp; People Management: Strong capability to lead, motivate, and develop high-performing collection teams.
 
 
 &bull;&nbsp;Credit &amp; Collections Expertise: Deep understanding of delinquency cycles, recovery techniques, restructuring options, and customer behaviour.
 
 
 &bull;&nbsp;Regulatory &amp; Compliance Awareness: Sound knowledge of regulatory guidelines, customer protection principles, and internal governance frameworks.
 
 
 &bull;&nbsp;Analytical &amp; Data-Driven Decision Making: Ability to interpret portfolio data, KPIs, and trends to drive performance improvements.
 
 
 &bull;&nbsp;Stakeholder Management: Effective collaboration with Risk, Credit, Legal, Compliance, IT, and external vendors.
 
 
 &bull;&nbsp;Negotiation &amp; Conflict Resolution: Strong skills in managing difficult customer interactions and negotiating repayment solutions.
 
 
 &bull;&nbsp;Process Improvement &amp; Automation: Experience in optimizing workflows, leveraging systems, and driving digital transformation in collections.
 
 
 &bull;&nbsp;Vendor Management: Ability to manage and evaluate outsourced collection agencies and service providers.
 
 
 &bull;&nbsp;Communication &amp; Presentation Skills: Clear and professional communication with senior management and external stakeholders.
 
 
 &bull;&nbsp;Judgment &amp; Decision-Making: Ability to make timely, well-informed decisions under pressure within delegated authority.
 
 
 &bull;&nbsp;Ethical Conduct &amp; Customer Focus: Commitment to fair treatment of customers and ethical collection practices.
 
 
 &nbsp;
 
</div>

Head of Pre Write-Off Collection

<div>
 
 
 Company Description
 
 
 
 American Express Saudi Arabia, established in 1999, is a leader in advanced payment solutions tailored for individuals and businesses across the Kingdom. With a focus on innovation and excellence, the company offers diverse solutions, including Credit Cards, Charge Cards, and business payment options, designed to empower customers to manage their finances and embrace opportunities. As a globally integrated payments company, American Express Saudi Arabia provides an extensive range of products, insights, and world-class experiences to foster financial progress and business success. Join a team dedicated to delivering on the promise of being a powerful backing to customers every day.
 
 
 
 
 
 
 Job Purpose:
 
 
 
 To support the Central Support Department in managing documentation, reporting, and coordination activities across Customer Service and Premium units.
 
 
 The role contributes to maintaining accurate records, improving process consistency, and ensuring timely execution of operational tasks aligned with AESA policies, procedures, and service standards.
 
 
 &nbsp;
 
 
 
 Key Accountabilities:
 
 
 <ul>
 <li>
 Supports the implementation of departmental policies, procedures, and documentation requirements.
 </li>
 <li>
 Assists in preparing and updating operational reports, trackers, and data logs to ensure accuracy and timely submission.
 </li>
 <li>
 Maintains organized documentation, including processes, workflows, templates, and version-controlled files.
 </li>
 <li>
 Coordinates with internal teams to follow up on pending actions and support daily operational needs.
 </li>
 <li>
 Assists with simple system enhancement activities such as UAT checks, documenting issues, and validating updates.
 </li>
 <li>
 Ensures compliance with AESA Policy &amp; Procedure, audit expectations, and internal governance standards.
 </li>
 <li>
 Executes additional duties delegated by the Central Support Manager as required.
 </li>
 </ul>
 
 &nbsp;&nbsp;
 
 
 
 Minimum Qualifications:
 
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in business administration, Operations, or related discipline.
 </li>
 <li>
 Minimum 2 years of experience in administrative support, reporting, Customer Service operations, or governance-related roles.
 </li>
 </ul>
 
 &nbsp;
 
 
 
 Required Skills and Competencies:
 
 
 <ul>
 <li>
 Strong proficiency in Microsoft Excel, Word, and PowerPoint.
 </li>
 <li>
 Solid documentation and organizational skills.
 </li>
 <li>
 Analytical mindset with attention to detail.
 </li>
 <li>
 Clear written and verbal communication skills.
 </li>
 <li>
 Ability to manage multiple tasks, prioritize effectively, and meet deadlines.
 </li>
 <li>
 Experience in CX, operations, or quality/governance is an advantage.
 </li>
 </ul>
 
 &nbsp;
 
</div>

Central Support Specialist | Premium and Customer Service

Join American Express Saudi Arabia and explore 2   exciting career opportunities. They're hiring for various roles with options for remote or on-site work. Apply today and become part of their innovative team.

American Express Saudi Arabia

About Company

Head of Pre Write-Off Collection

Central Support Specialist | Premium and Customer Service