Credit & Collection Officer

Credit & Collection Officer (RNPL)

Location: UAE
Salary: AED 5000

Role Overview

We are seeking a proactive and detail-oriented Credit & Collection Officer (RNPL) to oversee credit monitoring tenant lease coordination and collections management. This role sits at the intersection of credit control customer engagement and risk management ensuring timely repayments minimizing delinquencies and maintaining a stable cash flow while preserving positive tenant relationships.

Key Responsibilities

Credit Assessment & Monitoring

• Review credit profiles and assess customer applications in line with internal credit policies
• Monitor active accounts for early signs of delinquency or repayment risk

Tenant Lease & RNPL Management

• Manage RNPL monthly payment schedules for all active tenants
• Ensure all RNPL applications are properly uploaded and documented in the system
• Handle lease-related communication with tenants including disputes and clarifications
• Support tenant onboarding and offboarding processes based on verified documentation

EJARI & Compliance

• Register leasing agreements through DLD (EJARI system) and manage related charges
• Ensure compliance with UAE tenancy laws DLD and RERA regulations and internal policies

Collections & Recoveries

• Manage overdue accounts through calls emails SMS and other channels
• Proactively follow up on missed payments
• Negotiate structured repayment plans where required
• Coordinate with Finance and Customer Success teams on escalations or disputes

Reporting & Portfolio Management

• Maintain accurate records of RNPL accounts and tenant interactions
• Prepare regular reports on arrears recoveries portfolio performance RNPL enrollments and admin KPIs
• Identify delinquency trends and recommend improvements to credit and collection strategies
• Support process enhancements and system automation initiatives

Mandatory Requirements

• Minimum 1 year experience in Banking Credit Control Collections Receivables Management Credit Underwriting or Consumer Lending (preferably fintech or real estate)
• Strong understanding of consumer credit risk and repayment behavior
• Solid knowledge of UAE tenancy laws DLD & RERA regulations
• Excellent communication and negotiation skills
• High attention to detail and strong analytical capability

Key Skills

• Customer-focused with a firm but fair approach
• Strong analytical and decision-making ability
• Ability to work independently and meet performance targets
• Assertive communication with disciplined follow-through
• Conflict handling and negotiation expertise