credit and collection manager

Ewaa Hotels

<p>Job Summary</p><p>We are seeking an experienced Credit Manager with a proven background in the hospitality sector to lead and manage the hotel&rsquo;s credit and accounts receivable function. The role is responsible for establishing and implementing effective credit policies and procedures, ensuring efficient collection processes, minimizing financial risk, and maintaining healthy cash flow while supporting the hotel&rsquo;s commercial operations.</p><p>Key Responsibilities</p><p>Develop and implement credit policies and procedures in line with best practices in the hospitality industry.</p><p>Establish and manage a structured credit system including credit evaluation, credit limits, and payment terms for clients and corporate accounts.</p><p>Review and approve credit applications for corporate clients, travel agencies, and contracted companies.</p><p>Monitor accounts receivable and ensure timely collection of outstanding balances.</p><p>Analyze aging reports and follow up on overdue accounts while taking appropriate action when necessary.</p><p>Coordinate closely with Sales, Reservations, and Finance departments to ensure proper implementation of credit policies.</p><p>Manage relationships with corporate clients and resolve billing or payment disputes when required.</p><p>Supervise and guide the credit and collections team to ensure efficient operations.</p><p>Prepare regular reports on credit status, receivables, and collection performance for management review.</p><p>Qualifications &amp; Requirements</p><p>Bachelor&rsquo;s degree in Accounting, Finance, or Business Administration.</p><p>Minimum 5 years of experience in Credit Management or Accounts Receivable within the hotel industry.</p><p>Previous work experience in hotels within Saudi Arabia is mandatory.</p><p>Strong understanding of hotel financial systems and Property Management Systems (PMS).</p><p>Excellent analytical, negotiation, and communication skills.</p><p>Ability to work in a fast-paced hospitality environment and manage multiple priorities effectively.</p><p>Job Type: Full-time</p><p>Application Question(s):</p><ul><li>What is your current salary?</li></ul><ul><li>What is your expected salary?</li></ul><ul><li>How many years have you worked as a credit manager?</li><li>What is the notification period for joining?</li><li>Are you located inside Saudi Arabia?</li></ul><p>Experience:</p><ul><li>Hotels: 5 years (Required)</li></ul><p>Work Location: In person</p>

Credit Manager – Hotels Sector

Aerocontrol Group

<p>Job Summary</p><p>As an Accountant / Credit Controller, you will be responsible for managing the company&rsquo;s credit and collections process.</p><p>Your role will be vital in ensuring timely payments, minimizing bad debt, and maintaining positive relationships with clients.</p><p>Key Responsibilities</p><ul><li>Monitor customer accounts and ensure timely collection of outstanding debts</li><li>Evaluate new credit requests and conduct client credit checks</li><li>Set up terms and conditions of credit</li><li>Maintain accurate records of all chasing activity and communications</li><li>Resolve invoice and payment queries efficiently</li><li>Liaise with internal departments and external clients to reconcile accounts</li><li>Prepare regular reports on debtor status and escalate issues as needed</li><li>Assist in month-end closing and audit processes</li><li>Make sure to be flexible with working hours as per the line manager instructions/requirements</li><li>Performing other tasks within the company requested by the management</li></ul><p>✅ Requirements</p><ul><li><b>Fluency in Spanish and English is preferred</b></li><li><b>With background in aviation is an advantage</b></li><li>Proven experience as a Credit Controller or in a similar role</li><li>Strong understanding of accounting principles and credit control procedures</li><li>Excellent communication and negotiation skills</li><li>High level of accuracy and attention to detail</li><li>Proficiency in Microsoft Excel and accounting software (e.g., Zoho, Focus)</li><li>Ability to work independently and as part of a team</li><li>Preferred Degree in Finance, Accounting, or related field.</li></ul><p>Please send us your CV if interested at careers@aerocontrolgroup.com</p><p>Job Type: Full-time</p><p>Pay: AED4,500.00 - AED5,500.00 per month</p><p>Application Question(s):</p><ul><li>Can join immediately. </li><li>Must have relevant experience in collection (Preference will be given to candidates with Aviation experience)</li></ul><p>Language:</p><ul><li>Spanish (Required)</li></ul><p>Willingness to travel:</p><ul><li>100% (Preferred)</li></ul><p>Work Location: In person</p>

Accountant / Credit Controller / Collection Officer (Spanish is MUST)

bankfab

<div><div>Job Description</div>
<div>
<p><b>Job Purpose:
</b></p><p>Conduct detailed credit assessment and preparation of credit appraisal memos seeking approval for financing against residential and commercial real estate. The key purpose is to determine whether the borrower is eligible for financing and the requested credit facility is in line with the bank&rsquo;s risk appetite and Target Market Risk Acceptance Criteria (TM-RAC).
</p><p><b>Key Accountabilities:
</b></p><ul><li>Review, analyse &amp; assess loan proposals keeping in mind the approved credit policies, procedures and market dynamics to produce high quality of credit assessment memos for underwriting purposes.
</li><li>Approve credit requests in line with any delegated credit authority, where allowed.
</li><li>Manage the allocated portfolio of clients in terms of timely annual reviews, monitoring delinquencies, early warnings, adherence to covenants, documentary deferrals etc and actively engage with the respective business counterparts on regular basis to address any credit related issues for the allocated portfolio.
</li><li>Given the High Networth and sensitive nature of the clientele, actively engage with the senior business counterparts (Area Managers/Executive Directors etc) to ensure that the proposed facility is adequately structured to meet the clients&rsquo; expectations within the bank&rsquo;s underwriting standards.
</li><li>Accompany the business counterparts to client meetings and to develop better understanding of the client and the proposed credit facility.
</li><li>Adhere to &amp; comply with departmental policies, standard operating procedures and practices so that the work is carried out in a smooth &amp; methodical manner.
</li><li>Exhibit consistency with organization&rsquo;s values and ethics at all times to demonstrate a value driven culture within the bank.
</li><li>Contribute towards continuous improvement and sustainability of policies, systems, process and methods in line with changing needs and requirements so as to efficiently carry out the duties.
</li><li>Have in-depth understanding of regulatory and internal bank policies.
</li><li>Exhibits good communication &amp; writing skills when preparing &amp; submitting credit proposals to approving authorities within the Bank.
</li><li>Guide and train a small team of credit analysts for credit underwriting.
</li></ul><p><b>Job Context:
</b></p><ul><li><p>Analyse Client&rsquo;s audited financial statements/bank statements/Rental Roll Reports/ Collateral Details etc, look into client&rsquo;s credit history/credit reports/ system checks to meet bank&rsquo;s lending standards.
</p></li><li><p>In depth analysis of borrower&rsquo;s financial ratios like profitability, solvency, cashflow, debt service coverage ratios etc in order to ensure error free underwriting and ensuring that the borrower has sufficient repayment capacity to repay the proposed loan facilities.
</p></li><li><p>Review &amp; analyse re-structuring requests from the existing loan customers and recommend in line with the bank&rsquo;s policy/TM-RAC.
</p></li><li><p>To work out the credit risk rating and check RAROC of the customer as per the bank&rsquo;s portals.
</p></li><li><p>Ensure completeness &amp; accuracy of documentation submitted with the credit request in order to avoid fraud and/or delinquency in the future.
</p></li><li><p>To review the excess rental release request of the clients after reviewing the rental register and rental collection account.
</p></li><li><p>To work in co-ordination with other stakeholders such as Credit Administration, Collections, Operations etc and take up with business in case of non-compliance of terms and conditions.
</p></li><li><p>Review/Approve deferral or waiver requests given by the existing customers and recommend the same keeping in mind the credit risk involved.
</p></li><li><p>Approve and/or process the loan applications and service requests efficiently and within the agreed SLAs.
</p></li><li><p>Ensure completion and maintenance of the required departmental MIS as required on ongoing basis.
</p></li><li><p>Ensure that all the approved loans and proposal related documents are complete and stored in the common folder/system to safeguard any missing or misplaced documents.
</p></li><li><p>To be able to work in pressure conditions without compromising on the credit underwriting quality.
</p></li><li><p>To perform any additional Job-Related tasks/projects as and when assigned by Line Manager.<br>
</p></li></ul><p></p><p><b>Qualifications &amp; Experience:
</b></p><p><b>Qualification:
</b></p><ul><li><p>Minimum Education required: Minimum Bachelor&rsquo;s degree preferably in Finance/Banking/ Commerce.
</p></li></ul><p><b>Experience:
</b></p><ul><li><p>Minimum 10 years in Credit and/or Banking experience.</p></li></ul></div></div><p></p>
<br><div><div>Responsibilities</div></div><div></div>
<br><div><div>Qualifications</div></div><div></div>
<br><div><div>About Us</div>
<div><div><b>About Us:<br>
</b></div><div></div><br>
<div>First Abu Dhabi Bank (FAB) is the largest bank in the UAE and one of the world's largest and safest financial institutions. We offer a comprehensive range of personal and private banking services, including credit cards, Islamic banking, investments, loans, and mortgages. Our commitment to excellence and innovation drives us to provide top-tier financial solutions to our clients.<br>
</div><div></div><br>
<div><b>Life at FAB:<br>
</b></div><div></div><br>
<div>Working at FAB means being part of a team of talented and passionate individuals with a shared vision to support the ambitions of our stakeholders to &quot;Grow Stronger.&quot; We embrace the needs of our customers across the globe with a sense of responsibility and confidence driven by extensive expertise that can only be delivered by an ambitious world-class organization<br>
</div><div></div><br>
<div><b>Career Development:<br>
</b></div><div></div><br>
<div>FAB offers unique career choices, a chance to innovate, craft solutions for the future, and express yourself in a performance-based culture that will unleash the best in you. Whether you are an experienced professional or just starting your career, FAB provides a range of learning and development initiatives to support all employees through training and skill development.<br>
</div><div></div><br>
<div><b>Our Values:<br>
</b></div><div></div><br>
<div>At FAB, we place our customers at the core of our activities, live our values each day in every way, celebrate achievements, and empower each other to deliver leading solutions. We have structured plans for the recruitment and career progression of Emirati talent to enable them to make a mark in the financial and banking sector both regionally and globaly that rewards your hard work and dedication.<br>
</div><div></div><br>
<div>Join our team and be part of a journey to shape the future of banking.</div></div></div><div></div>

AVP & Lead, Credit Management

Allegion

<div><h2 class="jobSectionHeader"><b>Creating Peace of Mind by Pioneering Safety and Security</b></h2><p></p><p><i>
At Allegion, we help keep the people you know and love safe and secure where they live, work and visit. With more than 30 brands, 12,000+ employees globally and products sold in 130 countries, we specialize in security around the doorway and </i><i>beyond. Additionally,</i><i> in 2024 we were awarded the Gallup Exceptional Workplace Award, which recognizes the most engaged workplace cultures in the world.
</i></p><p></p><p><b>Credit and Collections Analyst-Remote Indiana</b></p><p><b>
(Candidate will be required to travel to the Carmel, IN Headquarters 1 or 2 per month)</b></p><p></p><p>
Qualified candidates must be legally authorized to be employed in the United States. The company does not intend to provide sponsorship for employment visa status (e.g., H-1B, TN, etc.) for this employment position.</p><p></p><p>
At Allegion, we recognize that great talent and breakthrough ideas can come from anywhere. That&rsquo;s why this position offers a flexible remote work arrangement, with occasional on-site visits as needed based on the role. Whether you&rsquo;re working remotely or collaborating in person, we&rsquo;re committed to providing the tools, support, and dynamic environment you need to succeed. At Allegion, your career thrives where innovation meets flexibility, empowering you to achieve your goals while maintaining a healthy work-life balance</p><p></p><p>
While this is the current structure and we currently have no plans to change, we reserve the right to make changes to the remote schedule as needed at the Company&rsquo;s discretion.</p><p></p><p><b>
Jo</b><b>b Summary:</b></p><p></p><p><b>
What You Will Do:</b></p><ul><li><p>
Own an accounts receivable portfolio of diversified customers, driving collections and minimizing credit risk.</p></li><li><p>
Perform credit reviews and decisions, analyze financial statements, and use risk mitigation tools.</p></li><li><p>
In addition to credit/collections duties, support billing setup and cash application for newly acquired businesses and assist acquisition integration efforts.</p></li><li><p>
Work in a fast-paced environment; prioritize effectively and collaborate across teams to improve processes.</p></li></ul><p></p><p><b>
Key responsibilities &mdash; Credit &amp; Collections</b></p><ul><li><p>
Prioritize work to meet or exceed collection metrics and contribute to lower DSO.</p></li><li><p>
Use collection software and tools to execute collection strategies and initiatives.</p></li><li><p>
Respond promptly and accurately to customer inquiries, billing issues, payment application errors, disputes, and program changes.</p></li><li><p>
Proactively contact customers regarding past-due receivables and provide phone support for sales offices and customers.</p></li><li><p>
Develop and maintain relationships with customers, sales offices, and internal partners.</p></li><li><p>
Monitor assigned portfolio for compliance with approved programs; recommend program changes and prepare over-line approval requests.</p></li><li><p>
Reconcile accounts, identify and tag disputed items, and ensure timely resolution.</p></li><li><p>
Follow up on required legal documentation and complete conditions placed on approved credit files.</p></li><li><p>
Make hold/release order decisions based on credit exposure and risk determination.</p></li><li><p>
Create workout plans for financially distressed customers to mitigate loss exposure.</p></li><li><p>
Prepare month-end reports and other required reporting.</p></li><li><p>
Assist with lien waivers as needed.</p></li></ul><p></p><p><b>
Key responsibilities &mdash; Acquisition billing &amp; cash application</b></p><p></p><ul><li><p>
Support billing setup and invoicing for newly acquired businesses (customer accounts, billing terms, pricing).</p></li><li><p>
Post and apply incoming cash receipts for acquired entities; minimize unapplied cash and ensure timely cash application.</p></li><li><p>
Investigate and resolve unapplied cash, remittance discrepancies, and open credits resulting from onboarding or system conversions.</p></li><li><p>
Assist with month-end cash reconciliations and reporting for acquired portfolios.</p></li><li><p>
Coordinate with treasury, banking partners, and corporate accounting on payment formats, lockbox files, and electronic payments.</p></li><li><p>
Support integration projects: data mapping, upload validation, testing, and documentation of standardized billing/cash procedures.</p></li></ul><p></p><p><b>
What You Need to Succeed:</b></p><ul><li><p>
BS/BA in Finance, Accounting, or related business degree.</p></li><li><p>
2&ndash;5 years of related experience.</p></li><li><p>
Experience with billing systems, cash application, or ERPs (SAP, Oracle, NetSuite) preferred.</p></li><li><p>
Strong interpersonal skills; ability to build relationships across teams and with customers.</p></li><li><p>
Excellent written and oral communication and negotiation skills.</p></li><li><p>
Detail-oriented, organized, and able to handle changing priorities during integrations.</p></li><li><p>
Strong PC skills; Excel proficiency (VLOOKUP, pivot tables) preferred.</p></li><li><p>
Experience with high-volume cash posting, lockbox files, and electronic remittance advices preferred.</p></li><li><p>
Related experience in risk analysis and receivable collection is a plus.</p></li></ul><p></p><p><b>
Why Work for Us?</b></p><p><b>
Allegion is a Great Place to Grow your Career if:</b></p><p></p><ul><li><p>
You're seeking a rewarding opportunity that allows you to truly help others. With thousands of employees and customers around the world, there&rsquo;s plenty of room to make an impact. As our values state, &ldquo;this is your business, run with it&rdquo;.</p></li><li><p>
You&rsquo;re looking for a company that will invest in your professional development. As we grow, we want you to grow with us.</p></li><li><p>
You want a culture that promotes work-life balance. Our employees enjoy generous paid time off, because at Allegion we recognize that you have a full life outside of work!</p></li><li><p>
You want to work for an award-winning company that invests in its people. Allegion is proud to be a recipient of the <b>Gallup Exceptional Workplace Award </b>for the second year in a row, recognizing our commitment to employee engagement, strengths-based development, and unlocking human potential.</p></li></ul><p></p><p><b>
What You&rsquo;ll Get from Us:</b><b>
</b></p><p></p><ul><li><p>Health, dental and vision insurance coverage, helping you &ldquo;be safe, be healthy&rdquo;</p></li><li><p>
Unlimited Paid Time Off</p></li><li><p>
A commitment to your future with a 401K plan, which currently offers a 6% company match and no vesting period</p></li><li><p>
Health Savings Accounts &ndash; Tax-advantaged savings account used for healthcare expenses</p></li><li><p>
Flexible Spending Accounts &ndash; Tax-advantaged spending accounts for healthcare and/or dependent daycare expenses</p></li><li><p>
Disability Insurance &ndash;Short-Term and Long-Term coverage, paid for by Allegion, provides income replacement for illness or injury</p></li><li><p>
Life Insurance &ndash; Term life coverage with the option to purchase supplemental coverage</p></li><li><p>
Tuition Reimbursement</p></li><li><p>
Voluntary Wellness Program &ndash; Simply complete wellness activities and earn monetary rewards</p></li><li><p>
Employee Discounts through Perks at Work</p></li><li><p>
Community involvement and opportunities to give back so you can &ldquo;serve others, not yourself&rdquo;</p></li><li><p>
Opportunities to leverage your unique strengths through CliftonStrengths assessment &amp; coaching</p></li></ul><p></p><p><b>
Apply Today!</b></p><p>
Join our team of experts today and help us make tomorrow&rsquo;s world a safer place!</p><p></p><p>
Not sure if your experience perfectly aligns with the role? Studies have shown that some people are less likely to apply to jobs unless they meet every single qualification and every single preferred qualification of a job posting. At Allegion, we are dedicated to building a diverse, inclusive, and authentic workplace. So, if you&rsquo;re excited about this role but your past experience doesn&rsquo;t align perfectly with every item in the job description, we encourage you to apply anyway. You may be just the right candidate for this role.</p><h2 class="jobSectionHeader"><b>
We Celebrate Who We Are!</b></h2><p>
Allegion is committed to building and maintaining a diverse and inclusive workplace. Together, we embrace all differences and similarities among colleagues, as well as the differences and similarities within the relationships that we foster with customers, suppliers and the communities where we live and work. Whatever your background, experience, race, color, national origin, religion, age, gender, gender identity, disability status, sexual orientation, protected veteran status, or any other characteristic protected by law, we will make sure that you have every opportunity to impress us in your application and the opportunity to give your best at work, not because we&rsquo;re required to, but because it&rsquo;s the right thing to do. We are also committed to providing accommodations for persons with disabilities. If for any reason you cannot apply through our career site and require an accommodation or assistance, please contact our Talent Acquisition Team.</p><p></p><p>
&copy; Allegion plc, 2023 | Block D, Iveagh Court, Harcourt Road, Dublin 2, Co. Dublin, Ireland</p><p>
REGISTERED IN IRELAND WITH LIMITED LIABILITY REGISTERED NUMBER 527370</p><p>
Allegion is an equal opportunity and affirmative action employer</p></div><p></p>

Credit & Collections Analyst

Arizona Public Service (APS)

<div></div><div><p><b>Date: </b>Apr 13, 2026
</p><p><b>Location:</b> PHOENIX, AZ, US, 85021-1807
</p><p><b>Company: </b>APS
</p><div><p>Arizona Public Service generates reliable, affordable and clean energy for 2.7 million Arizonans. Our service territory stretches across the state, from the border town of Douglas to the vistas of the Grand Canyon, from the solar fields of Gila Bend to the ponderosa pines of Payson. As the state&rsquo;s largest and longest-serving energy provider, our more than 6,000 dedicated employees power our vision of creating a sustainable energy future for Arizona.</p><br>
<p></p>
<p>
Since our founding in 1886, APS has demonstrated a strong commitment to our customers in one of the country&rsquo;s fastest growing states, earning a reputation for customer satisfaction, shareholder value, operational excellence and business integrity.</p><br>
<p></p>
<p>
Our present and future success depends on the creative and dedicated people of our company who demonstrate the principles outlined in the APS Promise: Design for Tomorrow, Empower Each Other and Succeed Together.</p><div><div><div><h2 class="jobSectionHeader"><b>
Summary</b></h2>
</div><div><p>
The <b>Manager of Credit &amp; Revenue</b> leads strategy, policy, and operations that safeguards the company's financial health while delivering a fair, dignified, and customer focused collections experience. This role governs credit-related policies-including late fees, deposits, disconnections, payment arrangements, and revenue recovery-ensuring compliance with Service Schedule 1 and applicable federal and state regulations. The manager is accountable for monitoring and reporting internally and externally on aged receivables, uncollectible accounts, and credit risk, and develops strategies to drive sustainable reductions. The manager also collaborates with business partners to resolve complex operational issues with urgency and oversee the implementation of practical, effective solutions.</p></div></div><div><div><h2 class="jobSectionHeader"><b>
Minimum Requirements</b></h2>
</div><div><ul><li>Bachelors degree in Business, Finance, Marketing or related degree</li><li>Eight (8) years' experience in the utility industry, Accounting, Finance, and/or credit and collections environment.</li></ul><br>
<ul><li>In lieu of a degree, a total of twelve (12) years combined education and work-related experience in utility industry, Accounting, Finance, and/or credit and collections environment.</li></ul><br>
<b>
Preferred Special Skills, Knowledge or Qualifications:</b>
<br>
<br>
<ul><li>Leadership experience involving planning, organizing, directing and evaluating the work and performance of subordinates.
</li></ul><br>
<ul><li>Excellent communication skills; able to express ideas clearly and effectively both orally and in writing.
</li></ul><br>
<ul><li>Strong analytical and project management skills.
</li></ul><br>
<ul><li>Proven ability to establish and maintain effective working relationship with all levels of personnel and other departments.
</li></ul><br>
-Adapts to changing environment and shift priorities while managing a wide range of projects -Working knowledge of rate applications, electric metering, billing procedures, customer information systems and/or ACC Rules and Regulations.
<br>
<br>
<ul><li>Proficiency with Microsoft Word, Excel, Outlook and PowerPoint.</li></ul></div></div><div><div><h2 class="jobSectionHeader"><b>
Major Accountabilities</b></h2>
</div><div>1. Set and execute strategy, policies, and operating standards for revenue, credit, collections, and payments that protect financial health while ensuring a fair, dignified customer experience. Develop and track operational KPIs<br>
2. Establish and govern policies for late fees, deposits, disconnections, payment arrangements, and revenue recovery, ensuring consistent and equitable application.
<br>
<br>
3. Partner with Legal and Regulatory to ensure compliant, practical application of Service Schedule 1 and adherence to all federal and state requirements.
<br>
<br>
4. Lead, develop, and retain a diverse, high performing team through coaching, performance management, and development planning.
<br>
<br>
5. Monitor, analyze, and report on aged receivables, uncollectible accounts, and credit risk; develop and implement strategies to reduce arrears and write offs.
<br>
<br>
6. Oversee Red Flag compliance programs to protect customers from fraud and identity theft, ensuring timely issue resolution.
<br>
<br>
7. Manage and support payment channels, third party collection agencies, and vendor relationships to ensure performance, compliance, and customer experience standards.
<br>
<br>
8. Identify and resolve complex operational, financial, and compliance issues with appropriate urgency and sound judgment.
<br>
<br>
9. Communicate effectively with all levels of leadership and external stakeholders, delivering clear, actionable insights and recommendations.<br>
<br>
10. Prepare, recommend and oversee development of operating budgets. Monitor spending for adherence to budget; plans, develops and recommends plans to address variances. Continually improves department work processes and maintains reports monitoring team performance as well as budgets.<br>
<br>
LAST REVISION DATE: 04/03/2026<br>
</div></div><div><div><h2 class="jobSectionHeader"><b>
Export Compliance / EEO Statement</b></h2>
</div><div>This position may require access to and/or use of information subject to control under the Department of Energy's Part 810 Regulations (10 CFR Part 810), the Export Administration Regulations (EAR) (15 CFR Parts 730 through 774), or the International Traffic in Arms Regulations (ITAR) (22 CFR Chapter I, Subchapter M Part 120) (collectively, 'U.S. Export Control Laws'). Therefore, some positions may require applicants to be a U.S. person, which is defined as a U.S. Citizen, a U.S. Lawful Permanent Resident (i.e. 'Green Card Holder'), a Political Asylee, or a Refugee under the U.S. Export Control Laws. All applicants will be required to confirm their U.S. person or non-US person status. All information collected in this regard will only be used to ensure compliance with U.S. Export Control Laws, and will be used in full compliance with all applicable laws prohibiting discrimination on the basis of national origin and other factors. For positions at Palo Verde Nuclear Generating Stations (PVNGS) all openings will require applicants to be a U.S. person.<br>
<br>
Pinnacle West Capital Corporation and its subsidiaries and affiliates ('Pinnacle West') maintain a continuing policy of nondiscrimination in employment. It is our policy to provide equal opportunity in all phases of the employment process and in compliance with applicable federal, state, and local laws and regulations. This policy of nondiscrimination shall include, but not be limited to, recruiting, hiring, promoting, compensating, reassigning, demoting, transferring, laying off, recalling, terminating employment, and training for all positions without regard to race, color, religion, disability, age, national origin, gender, gender identity, sexual orientation, marital status, protected veteran status, or any other classification or characteristic protected by law.<br>
<br>
For more information on applicable equal employment regulations, please refer to EEO is the Law poster. Federal law requires all employers to verify the identity and employment eligibility of every person hired to work in the United States, refer to E-Verify poster. View the employee rights and responsibilities under the Family and Medical Leave Act (FMLA).<br>
<br>
In compliance with the Drug Free Workplace Act of 1988, the Company is committed to a work environment that is free from the effects of alcohol and controlled substances, and free from the abuse or inappropriate use of prescribed and over-the-counter medications. The Company requires employees to be subject to drug and alcohol testing that is job-related and consistent with business necessity, regulatory requirements and applicable laws.</div></div></div><p><b><br>
Hybrid: </b>Employees in hybrid roles work both in their home offices (virtually) and alongside their colleagues (in person).</p>
<p>
In order for employees to build strong relationships and to promote meaningful in-person interactions, hybrid employees are expected to work about 40% of their time in-person at an APS or other (non-home office) location.</p>
<ul>
<li><i>Employees are expected to reside in Arizona (or New Mexico for Four Corners-based employees).</i></li>
<li><i>Working from a home office requires adequate technology and an appropriate ergonomic set up.</i></li>
<li><i>Role types are subject to change based on business need.</i></li></ul><br>
<p><br>
<b>Job Segment: </b>Sustainability, Nuclear, Energy</p></div></div><div></div>

Manager Credit & Revenue

University of Virginia Community Credit Union

<div>Description: <b>University of Virginia Community Credit Union</b><p>
At UVA Community Credit Union, we are dedicated to making a meaningful difference in the lives of our members and the communities we serve. Our mission, working together to strengthen the financial wellness of our members and local communities, guides everything we do. We foster an environment where every team member plays a vital role in building the financial wellness of those we serve. Our core values are Integrity, Service Excellence, Collaboration, and Gratitude. These values shape how we support our members, interact with one another, and drive the success of our shared purpose. If you&rsquo;re passionate about making a positive impact and want to be part of a purpose-driven organization, we invite you to explore a career with us.</p><p><b>
Member Credit Solutions Manager (Collections) - Charlottesville, VA</b></p><p><b>
SUMMARY:</b></p><p>
The Member Credit Solutions Manager will ensure that we are incorporating and maintaining best in class practices in order to achieve the Credit Union&rsquo;s mission of assisting our members in strengthening their financial wellness. Additionally, the Member Credit Solutions Manager helps preserve credit union assets through the mitigation control of delinquent accounts (secured and unsecured), collecting and managing delinquent loan payments, negative share deposits, counseling with members, and/or recovering collateral or funds. The overall activity in the role is to support the reduction in the credit union's products and services delinquency and loan losses, improving financial recoveries through negotiation and collection activity best practices, while approaching these interactions with a mission-centric approach.</p><p>
The candidate should bring experience in key collections disciplines, including bankruptcy, charge-off management, auto repossession processes, real estate and mortgage collections, and loss mitigation. A working understanding of the legal system as it relates to collections is preferred.</p><p>
We are looking for someone who values member education and understands the importance of addressing the root cause of financial hardship, not simply the immediate issue. The right person will lead with integrity, value teamwork and collaboration, and be comfortable making sound, timely decisions in the best interest of both the member and the credit union.</p><p>
This person should also be able to lead effectively through change, adapt well in a changing environment, and be comfortable using technology to support the work, though deep technical expertise is not required.</p><p>
The ideal candidate will have prior credit union experience and a strong understanding of a member-focused collections philosophy. This role requires an individual who recognizes that financial wellness is central to the collections process and who can approach member delinquency with a mindset of education, support, and long-term resolution rather than a traditional collections-only approach.</p><p>
A successful candidate will:</p><ul><li>
Demonstrate a strong commitment to financial wellness and member-centered problem solving</li><li>
Understand the importance of addressing the root cause of a member&rsquo;s financial challenges, not just the immediate delinquency</li><li>
Operate with a high degree of integrity, sound judgment, and professionalism</li><li>
Value teamwork, collaboration, and partnership across departments</li><li>
Be comfortable making critical decisions in the best interest of both the member and the credit union</li><li>
Lead effectively through change and support teams during periods of transition</li><li>
Be comfortable using technology and systems to support operational effectiveness, while not requiring deep technical expertise</li></ul><p><b>
DUTIES AND RESPONSIBILITIES:</b></p><ul><li>
Oversee day to day operations of the Member Credit Solutions team, providing coaching and a focus on development, ensuring the team has the needed support to carry out the mission of the Credit Union.</li><li>
Promote the financial education and financial wellness of our members throughout the collections process</li><li>
Contact Credit Union members who have delinquent accounts by phone and mail and take appropriate action to bring the account current. Ideally this involves collaboration with the member to help bring them current and avoid further collections activities for the wellbeing of both the member and the Credit Union. This position will serve as a level of escalation for the rest of the team.</li><li>
Analyze the financial situation of delinquent borrowers and, when other attempts to bring the loan current are unsuccessful, assist the Credit Union with preparing for foreclosure, repossession, or other activities.</li><li>
Assist where needed with the Credit Union&rsquo;s arrangements for collateral repossession, redemption, consignment, and liquidation, and the charge off of loans.</li><li>
Represent the Credit Union as needed at legal proceedings.</li></ul>
Requirements:
<p><b>
Qualifications:</b></p><ul><li>
Four to six years of collections and supervisory experience in a similar or related position is required</li><li>
Previous experience working within a call-center environment, working with 1st and 2nd residential mortgage loans, and handing E-Oscar disputes is preferred</li><li>
Experience promoting and supporting the financial wellness and financial education of members</li><li>
Previous experience in bankruptcy administration and case management, charge-off management and recovery strategies, the auto repossession process, real estate and mortgage collections, and loss mitigation practices.</li><li>
A strong working knowledge of the legal and regulatory environment related to collections is preferred.</li><li>
High School Diploma or GED required, an associate&rsquo;s degree is preferred</li><li>
Excellent oral and written communication skills, including the ability to influence and/or sell ideas or services to others</li><li>
Strong critical thinking and analytical skills</li><li>
Thrives in and maintains composure in a fast-paced environment</li></ul><p><b>
BENEFITS:</b></p><p>
We offer an attractive suite of benefits to employees who work an average of 20 hours per week or more, including: Health, Dental, Vision, up to a 7% employer 401(k) contribution after the first year of employment. Employees are eligible for Life Insurance, Long-Term Disability, Health &amp; Wellness Spending Account, Tuition Reimbursement, and Employee Loan Discounts. Employees accrue Paid Time Off starting with 18 days accrual at full time annually, and 13 company paid holidays. Employees are also eligible for Family Forming Leave, and Volunteer Time Off.</p><p>
Equal Employment Opportunity has been, and will continue to be, a fundamental principle at the University of Virginia Community Credit Union, where employment is based upon personal capabilities and qualifications without regard to race, color, gender, gender identity, religion, sexual orientation, pregnancy, childbirth, or a medical condition related to pregnancy or childbirth, national origin, citizenship, disability, age, genetic information, marital status, amnesty or status as a covered veteran in accordance with applicable federal, state, and local laws.</p></div>

Member Credit Solutions Manager (Collections)

UBL - United Bank Limited

<div>
 <ul>
  <li>
   Develop application and behavioral scorecards using statistical techniques.
  </li>
  <li>
   Perform data analysis, variable engineering, and model building (Python/SAS/SQL).
  </li>
  <li>
   Validate and monitor model performance (KS, Gini, AUC) and recalibrate as needed.
  </li>
  <li>
   Deploy scorecards into production in collaboration with IT and business teams.
  </li>
  <li>
   Support credit policy, cut-off strategies and portfolio optimization.
  </li>
  <li>
   Ensure compliance with regulatory standards.
  </li>
  <li>
   Communicate insights to stakeholders and support audits/reviewsDevelop application and behavioral scorecards using statistical techniques.
  </li>
  <li>
   Perform data analysis, variable engineering, and model building (Python/SAS/SQL).
  </li>
  <li>
   Validate and monitor model performance (KS, Gini, AUC) and recalibrate as needed.
  </li>
  <li>
   Deploy scorecards into production in collaboration with IT and business teams.
  </li>
  <li>
   Support credit policy, cut-off strategies and portfolio optimization.
  </li>
  <li>
   Ensure compliance with regulatory standards.
  </li>
  <li>
   Communicate insights to stakeholders and support audits/reviews
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Requirements:
  </strong>
 </p>
 <p>
  <br/>
 </p>
 <ul>
  <li>
   Bachelor&rsquo;s/Master&rsquo;s in Actuarial Sciences, Statistics, Mathematics or related field.
  </li>
  <li>
   5+ years of experience in credit risk modeling/scorecard development.
  </li>
  <li>
   Strong analytical and statistical modeling skills.
  </li>
  <li>
   Proficiency in Python, SAS, SQL and SPSS.
  </li>
  <li>
   Knowledge of IFRS9 frameworks is a plus.
  </li>
 </ul>
 <p>
 </p>
</div>


Manager Credit Scorecard Development and Implementation

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