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credit control officer

First Solution Management Services

<p>A <b>Debt Collections Officer</b> is responsible for recovering outstanding debts owed to a company or financial institution. The role requires strong communication, negotiation, and organizational skills, as well as professionalism and empathy when dealing with customers</p><p><b>Key Responsibilities</b></p><ul><li><b>Debt Recovery</b></li><li>Contact customers (via phone, email, or letter) to remind them of overdue payments.</li><li>Negotiate payment plans or settlements that are acceptable to both the customer and the company.</li><li>Follow up consistently to ensure agreed payments are made.</li><li><b>Account Management</b></li><li>Monitor aging accounts and identify overdue invoices.</li><li>Maintain accurate and up-to-date customer account records.</li><li>Escalate complex or high-value cases to senior management or legal teams when necessary.</li><li><b>Customer Interaction</b></li><li>Communicate courteously and professionally with customers in arrears.</li><li>Provide information on outstanding balances and resolve any disputes or discrepancies.</li><li>Offer financial hardship support or alternative repayment options when appropriate.</li></ul><p><b>Skills and Competencies</b></p><p>&middot; Strong negotiation and persuasion abilities</p><p>. Excellent verbal and written communication</p><p>&middot; Emotional intelligence and conflict resolution</p><p>&middot; Attention to detail and accuracy in record-keeping</p><p>&middot; Knowledge of credit control and debt recovery processes</p><p>&middot; Ability to work under pressure and meet targets</p><p><b>Education Requirements</b><br/>- Minimum bachelor&rsquo;s degree holder</p><p>-Job Types: Full-time, Permanent</p><p>Experience:</p><ul><li>Debt Collection: 1 year (Preferred)</li></ul><p>Job Type: Permanent</p><p>Pay: AED3,500.00 - AED4,000.00 per month</p>

Debt Collection Officer

ENOC

<div>
 <p>
  <u>
   Job Purpose
  </u>
 </p>
 <p>
  The job holder Under the supervision of Controller performs highly Professional accounting task within the area of assignment. The job holder is responsible to handle the various credit control related activities liaising with internal and external stakeholders as applicable, financial accounting for Accounts Receivables, uphold governance and systems role of an individual company or a group of companies in line with the policies and procedures as agreed and directed by the Controller.
 </p>
 <p>
  <br/>
 </p>
 <p>
  <u>
   Principal Accountabilities
  </u>
 </p>
 <p>
  <strong>
   Credit Control
  </strong>
 </p>
 <ul>
  <li>
   Responsible for managing and highlighting the credit exposure of the entire stream with the respective managers.
  </li>
  <li>
   Responsible for analysing and recommending credit periods, credit terms, allowable credit exposure and securities limits for all new customers.
  </li>
  <li>
   Conduct periodical review and analysis of customer status in terms of average sales, average collections, maximum credit exposure and alert the credit committee on major concerns of credit violations
  </li>
  <li>
   Assess the non-recoverable dues in coordination with the concerned marketing departments and ensure that adequate provisions are made in line with Accounting Standard.
  </li>
  <li>
   Review customer applications for credit worthiness, security waivers and provide the necessary recommendations.
  </li>
  <li>
   Review, approve credit violations on a daily basis, and escalate critical cases to marketing for clearance.
  </li>
  <li>
   Ensure adherence to the Credit Policies
  </li>
 </ul>
 <p>
  <strong>
   Credit Meetings
  </strong>
 </p>
 <ul>
  <li>
   Conduct monthly credit review meetings with respective marketing department to follow up on outstanding and circulate minutes of the same.
  </li>
  <li>
   Conduct periodic credit Committee meeting as per charter and circulate minutes of the same.
  </li>
  <li>
   Responsible for monitoring progress on credit committee recommendations and highlighting deviations to the credit committee for approval.
  </li>
 </ul>
 <p>
  <strong>
   Reporting
  </strong>
 </p>
 <ul>
  <li>
   Preparation and submission overdue receivable balances to the Group
  </li>
  <li>
   Circulate the monthly ageing report to the concerned marketing departments
  </li>
 </ul>
 <p>
  <strong>
   Compliance and control
  </strong>
 </p>
 <ul>
  <li>
   Ensure that all da to da transactions are done in line with the approved DOA and highlight any exceptions to the line Manager
  </li>
 </ul>
 <p>
  <strong>
   Systems Review
  </strong>
 </p>
 <ul>
  <li>
   Support Controller in projects that require Finance inputs from transaction monitoring and control. Perform User Acceptance Testing for the system developed.
  </li>
 </ul>
 <p>
  <strong>
   Audit
  </strong>
 </p>
 <ul>
  <li>
   Provide reports and details requested by external, intimal and government auditors.
  </li>
 </ul>
 <p>
  <strong>
   Special Assignments
  </strong>
 </p>
 <ul>
  <li>
   Assist the Controller &mdash; Financial Accounting &amp; System with ad-hoc projects and special assignments.
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <u>
   Minimum Requirements
  </u>
 </p>
 <p>
  Educational Qualification: Finance Graduate
 </p>
 <p>
  Experience: 5 to 6 years
 </p>
</div>


Finance Analyst - Accounts Reconcilation (Emirati Talent)

Xclusive Yachts

<div><p><b>Summary:</b></p><p>
Detail-oriented and proactive Accounts Receivable Executive with experience in managing end-to-end receivables, invoicing, collections, reconciliations, and financial reporting. Skilled in maintaining accurate accounting records, ensuring timely collections, and supporting smooth month-end processes. Adept at collaborating with sales and operations teams to resolve billing issues and maintain strong client relationships that contribute to a healthy cash flow.</p><p><b>
Experience Required:</b></p><br>
<ul><li>
2&ndash;4 years of experience in Accounts Receivable or a similar finance/accounting role.</li><li>
Experience in the hospitality, tourism, or service industry preferred.</li><li>
Key Responsibilities:</li><li>
Verify and update client bookings and transactions in the accounting system.</li><li>
Prepare and post customer invoices, debit/credit notes, and receipts (cash, card, and online payments).</li><li>
Upload invoices to client portals and send statements of accounts and tax invoices to customers.</li><li>
Reconcile customer accounts, match payments against outstanding invoices, and maintain accurate ageing reports.</li><li>
Follow up on overdue payments and coordinate with sales teams for pending collections.</li><li>
Process customer refunds and handle chargeback/dispute cases in coordination with concerned departments.</li><li>
Update daily sales, collection summaries, and payment reconciliation reports.</li><li>
Prepare month-end reconciliation reports for cash, credit card, and online transactions.</li><li>
Support senior accountants with vendor reconciliations and other assigned accounting tasks.</li></ul><p><b>
Skills</b></p>
<div><ul><li>Accounts Receivable Management</li></ul>
<ul><li>Invoicing &amp; Billing</li></ul>
<ul><li>Reconciliation &amp; Reporting</li></ul>
<ul><li>Credit Control &amp; Collections</li></ul>
<ul><li>Customer Refunds &amp; Dispute Handling</li></ul>
<ul><li>Financial Accuracy &amp; Attention to Detail</li></ul>
<ul><li>Proficiency in Sage Accounting / ERP systems</li></ul>
<ul><li>MS Excel (Pivot Tables, VLOOKUP, Data Validation)</li></ul>
<ul><li>Strong Communication &amp; Coordination Skills</li></ul>
<ul><li>Time Management &amp; Multitasking</li></ul>
</div><p></p><p><b>Salary: 5000 AED</b></p></div><p></p>

Accounts Receivable Executive

Al Nabooda Insurance Brokers

<p><b>Key Responsibilities</b></p> <ul> <li>Chase and collect outstanding premiums within agreed credit terms.</li> <li>Reconcile insurer statements and resolve discrepancies.</li> <li>Prepare aged debtors reports and monitor overdue accounts.</li> <li>Ensure timely premium remittance to insurers in line with regulations.</li> <li>Coordinate with account managers and clients on payment queries.</li> <li>Adhere to AML/CFT and client money handling regulations.</li> </ul>

Credit Controller Insurance Broking

Finer Financial Services Co. LLC.

<p>We are looking out for competitive sales professionals (Relationship Officer – Credit Cards) with good aptitude in sales to acquire new to bank customers for a top tier local bank in UAE.</p><p>The Relationship Officer is required to own and achieve the monthly sales targets as assigned for himself/ herself. He /She will be responsible to ensure compliance with operational, financial and regulatory policies and deliver a strong customer satisfaction score.</p>

Relationship Officer

Emirates NBD

<div>
 <p>
  <strong>
   About Emirates NBD
  </strong>
 </p>
 <p>
  <br/>
 </p>
 <p>
  Emirates NBD is a market leader across the MENAT (Middle East, North Africa and T&uuml;rkiye) region with a presence in 13 countries, serving over 20 million customers. The Emirates NBD Group has a total of 853 branches and 4,213 ATMs / SDMs.
 </p>
 <p>
  At the bank, we serve our customers and help them realize their financial objectives through a range of banking products and services including retail banking, corporate &amp; institutional banking, Islamic banking, investment banking, private banking, asset management, global markets and treasury, and brokerage operations.
 </p>
 <p>
  We are a key participant in the global digital banking industry, with 97% of all financial transactions and requests conducted outside of our branches. We also operate Liv, the lifestyle digital bank by Emirates NBD. With close to half a million users, it continues to be the fastest-growing digital bank in the region.
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   What You Will Be Doing
  </strong>
 </p>
 <p>
  <br/>
 </p>
 <p>
  &bull; Ensure that transactions are processed in line with CRAD Framework &amp; PFDs/SOPs with 100% accuracy.
 </p>
 <p>
  &bull; Ensure that loan disbursed are as per the disbursement controls in FRS/EFRS
 </p>
 <p>
  &bull; Ensure accurateness in all internal and external reporting --- Other MISs
 </p>
 <p>
  &bull; Due diligence in executing /preparing of transactions and error rate must be less than 1%.
 </p>
 <p>
  &bull; Ensure all audit issues are addressed in a timely manner
 </p>
 <p>
  &bull; Ensure that transactions are carried out in line with the ongoing recommendations made by management (Internal Circulars)
 </p>
 <p>
  &bull; Assist CRAD in achieving satisfactory audit rating.
 </p>
 <p>
  &bull; Understand and adhere to policy, procedures, and guidelines ongoing basis.
 </p>
 <p>
  &bull; Compliance with Circulars / CRAD framework/ PFDs.
 </p>
 <p>
  &bull; Minimal adverse audit observations.
 </p>
 <p>
  &bull; Ensures TATs for activities are within target levels.
 </p>
 <p>
  &bull; Meet TAT as per agreed SLA with BUs &amp; timely appropriate response to ensure BU queries / complaints / reports / queries from GCD/ reduce disruptive transactions.
 </p>
 <p>
  &bull; Responses to BUs to be in line with queries raised and with 100% accuracy.
 </p>
 <p>
  &bull; TAT&rsquo;s adherence will be assessed by CSAT scores.
 </p>
 <p>
  &bull; Ensure proactive lead and participation in UAT/ implementation of all projects assigned within the agreed timelines.
 </p>
 <p>
  &bull; Assist and implement CRAD project portfolio &amp; process improvement initiatives
 </p>
 <p>
  &bull; Provide at least 2 process related initiatives which can be implemented in the department to improve the process &amp; the quality of the activities carried out by the unit.
 </p>
 <p>
  &bull; Provide at least 2 Control related initiatives to reduce the errors highlighted during the current QA/INA.
 </p>
 <p>
  &bull; Implement Automation of reports and tracking mechanism for the manual activities at CRAD
 </p>
 <p>
  &bull; Develop technical &amp; soft skills of self-attending both with L&amp;D for both internal &amp; external programs assigned by the managers.
 </p>
 <p>
  &bull; Continuous updating of process / procedures in vogue from time to time &amp; measuring up the training needs in line with the Training Schedule in consultation with supervisor. Ensure completion of all mandatory training within timelines.
 </p>
 <p>
  &bull; To update awareness of the procedure and significance of the tasks assigned through knowledge of CRAD Framework, PFDs, and operational related manuals.
 </p>
 <p>
  &bull; Develop new skills and technique to assist in the assigned tasks and to improve quality of work
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   What We are Looking for
  </strong>
 </p>
 <p>
  <br/>
 </p>
 <ul>
  <li>
   3 -5 years in the Banking /Finance industry preferably in Corporate.
  </li>
  <li>
   Local experience of Laws governing the Banking Industries
  </li>
  <li>
   Knowledge of corporate products, MIS, computer literacy &amp; any corporate banking system
  </li>
  <li>
   Ability to read and comprehend banking terms.
  </li>
  <li>
   Team player and flexible in approach
  </li>
  <li>
   Initiative oriented thinking to achieve self-development and growth.
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   What We Offer You
  </strong>
 </p>
 <p>
  <br/>
 </p>
 <ul>
  <li>
   Competitive salary package.
  </li>
  <li>
   Strong emphasis on work-life balance and employee wellbeing.
  </li>
  <li>
   Access to world-class Learning &amp; Development platforms for career growth.
  </li>
  <li>
   Generous annual leave and comprehensive Private Healthcare coverage.
  </li>
  <li>
   Preferential banking facilities for employees.
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Why Join Us
  </strong>
 </p>
 <p>
  <br/>
 </p>
 <p>
  At Emirates NBD Services, we aim to be the employer of choice by helping you unlock your true potential through the right opportunities. We are reimagining the future of work to ensure every employee thrives in an environment that promotes growth, upskilling, and the development of digital skills. Our goal is to empower our employees to build meaningful careers with experiences that shape their future and contribute to Emirates NBD's success. Regardless of your background, location, or preferences, we want every employee to feel connected and engaged as part of the Emirates NBD services team.
 </p>
 <p>
 </p>
</div>


Operations Officer - Credit Administration

Standard Chartered Bank

<div><div><div><div><div><div><div><div><p>Job ID: 42961
 </p><p>Location: Dubai, AE
 </p><p>Area of interest: Governance, Risk Management &amp; Compliance
 </p><p>Job type: Regular Employee
 </p><p>Work style: Office Working
 </p><p>Opening date: 5 Nov 2025
</p></div>
</div></div></div></div></div></div><p></p><div><div><div><div><div><div><div><div><b>Job Summary</b></div>
</div><div><div>
The role holder will be responsible for the following:</div>
<ul>
<li>Managing credit risk as part of the second line of defence (&ldquo;2LoD&rdquo;) within the Specialised Finance (&ldquo;SF&rdquo;) Risk for Corporate and Commercial and Institutional Bank (&ldquo;CCIB&rdquo;) &amp; Financial Markets (&ldquo;FM&rdquo;) businesses (&ldquo;1LoD&rdquo;).</li>
<li>This opportunity will suit a Senior Credit Manager profile with the relevant background and proven expertise in Project &amp; Export Finance and o/ Leveraged &amp; Acquisition Finance. The wider global team also covers commercial real estate (CRE) financing, Transportation Finance (Aviation &amp; Shipping), Fund Financing, Asset-backed Securitisation etc.</li>
</ul></div></div><div></div><div><div>
</div><div><div><b>The role entails the following:</b></div>
<ul>
<li>Early-stage deal screening and due diligence of new transaction requests</li>
<li>Influence structuring for best-in-class underwriting standards and to achieve successful and timely transaction execution and syndication.</li>
<li>Partner with the business to deliver strategic aspirations whilst remaining within agreed risk appetite and optimising use of risk capital.</li>
<li>Credit approve 1LoD prepared credit applications and rating assessments using subject-matter expertise and manage a portfolio of unique counterparties with early-stage detection of credit deterioration (Early Alert Ratings), which includes stress testing.</li>
<li>Prepare and present periodic portfolio monitoring reviews with senior 1LoD stakeholders and senior 2LoD Risk partners.</li>
<li>Awareness and understanding of regulatory framework in which the bank operates, and the regulatory requirements and expectations relevant to the role.</li>
<li>Ensure that the relevant 1LoD and 2LoD owners understand and accept their risk management responsibilities, where risks are managed and risk-return trade-offs are made, in line with Credit Risk frameworks.</li>
<li>Proactively seek for improvements in 2LoD and lead associated internal initiatives related to governance, regulatory, policy, or risk driven reporting.</li>
<li>Act as the Credit Risk control owner under the Group&rsquo;s Risk Management Framework (including relevant Operational Risk Framework ownership for Credit Risk) and ensure a full understanding of the risk and control environment in area of responsibility.</li>
<li>Ensure a robust effectiveness review process to Credit Risk and escalate significant matters and / or gaps in implementation to senior management and the relevant committees.</li>
<li>Monitor compliance of approved risk appetite using the risk information reporting and highlight significant matters to the attention of senior management and senior risk committees.</li>
<li>Ensure that the quality of the credit portfolio is maintained within acceptable parameters as defined by the Group and Country Risk Appetite statements and relevant Portfolio Underwriting Standards, and that the reporting of information relating to that portfolio is timely and accurate.</li>
<li>Ensure global credit policies and procedures are consistently interpreted, understood and applied, and that all deviations are appropriately reported, escalated and approved.</li>
<li>Maintain and influence a culture of good conduct in the Risk function and embed the Risk culture statement.</li>
<li>Represent SF Risk in business meetings, client due diligence, engagement with Regulators and conferences, seminars</li>
<li>People leader, team player and solid independent professional. Highly adaptable to cross-cultural environment and working closely with a multitude of professionals from various geographies and nationalities.</li>
<li>Promote Risk to the wider organization and partner Risk peers (including market risk, policy and governance, and enterprise risk management) for risk wide initiatives.</li>
</ul></div></div><div><div><div><b>Key Responsibilities</b></div>
</div><div><ul><li>Ability to make credit decisions / recommendations with semi-complete information, but sufficient to form a sound, well-grounded credit view, in a compressed time schedule.</li>
<li>Confident with stakeholder management and ability to express and communicate a credit opinion (written and orally).</li>
<li>Independently recommend / approve transactions after reviewing credit and rating proposals in line with defined risk parameters, negotiated credit terms and documentation review.</li>
<li>Ensure first line process owners understand and accept their risk management responsibilities.</li>
<li>Uphold the integrity of risk/return decisions, by challenging business to demonstrate that risk origination and control decisions are properly informed and consistent with strategy and risk appetite.</li>
<li>Dynamically manage a portfolio of asset classes and credit risk counterparties in the global portfolio, understanding each client by geography, industry, and structural differences</li>
<li>Pro-actively manage transactions ahead of credit deterioration (Early Alert ratings) with detection through portfolio reviews, adhere to industry strategies, market monitoring, and lessons learned</li>
<li>Support Early alert review (EAR) process, ensuring it is adhered to. Assist relationship managers in identifying and managing up or out of accounts exhibiting signs of deterioration and assist Stressed Assets Group, where appropriate, in managing accounts to maximize recoveries and minimize losses.</li>
<li>Initiate stress tests as required by internal and external factors and review results and assess their implications.</li>
<li>Obtain assurance regarding the effectiveness of the business controls and compliance with applicable laws &amp; regulations.</li>
<li>Approve breaches of Local Portfolio Standards, to the extent permitted by Credit Policy.</li>
<li>Act as the Credit Risk control owner under the Group&rsquo;s Risk Management Framework (including relevant Operational Risk Framework ownership for credit risk) and ensure a full understanding of the risk and control environment in area of responsibility.</li>
<li>Direct appropriate response to material events or other risk issues that come to the Credit Officer, Specialized Finance&rsquo;s attention.</li>
<li>Maintain an open and cooperative relationship in dealings with regulators.</li>
<li>Ensure that the quality of Business Credit Applications (BCAs) meets Group standards, particularly with regards to the completeness and depth of risk analysis.</li>
<li>Undertake regular customer visits to better understand the business environment.</li>
<li>Increase working profits through effective management of the loan asset portfolio in order to help develop the franchise in a sustainable way and minimize provisions.</li>
<li>Ensure that material risk exposure and related issues are reported to the responsible governance committees and to Group and business-level committees as appropriate.</li>
<li>Ensure BCAs are renewed in time and BCA overdue and extensions are kept within the thresholds.</li>
<li>Assess the credit risk profile of the portfolio, maintaining alignment with risk appetite by rebalancing of risks or controls that may be required in response to internal and external factors.</li>
</ul></div></div><div><div><div><b>Skills and Experience</b></div>
</div><div><ul><li>Market Knowledge: Substantial experience at the highest level in the banking industry, including demonstrated success in similar role within the same product / business area.</li>
<li>Sharp business acumen (including ability to assess risk and appropriate levels of return),</li>
<li>Strong leadership qualities, excellent interpersonal skills and multi-cultural awareness and sensitivity.</li>
<li>Demonstrated track record in successful management and ability to manage risk in geographically dispersed and highly varied product base.</li>
<li>Expertise in process design and control.</li>
<li>Understanding of regulatory framework in which the bank operates, and the regulatory requirements and expectations relevant to the role.</li>
<li>Significant relationship management experience &ndash; with external stakeholders, including regulators and rating agencies.</li>
<li>Role holder will be required to pass bank's credit risk accreditation program within 6-months of joining, in addition to other training as deemed mandatory by the SCB.</li>
</ul></div></div><div><div><div><b>About Standard Chartered</b></div>
</div><div><div>
We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.</div>
<div>Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.</div>
<div>Together we:</div>
<ul><li><b>Do the right thing</b> and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do</li>
<li><b>Never settle,</b> continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well</li>
<li><b>Are better together,</b> we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term</li>
</ul></div></div><div><div><div><b>What we offer</b></div>
</div><div><div><b>
In line with our Fair Pay Charter,</b> we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.</div>
<ul><li><b>Core bank funding for retirement savings, medical and life insurance,</b> with flexible and voluntary benefits available in some locations.</li>
<li><b>Time-off</b> including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.</li>
<li><b>Flexible working</b> options based around home and office locations, with flexible working patterns.</li>
<li><b>Proactive wellbeing support</b> through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits</li>
<li><b>A continuous learning culture</b> to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.</li>
<li><b>Being part of an inclusive and values driven organisation,</b> one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.</li>
</ul></div></div></div>
</div></div></div></div><div><div><p>www.sc.com/careers</p></div></div></div><div></div>

Senior Credit Manager, Specialised Finance

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