Credit & Collection Officer (RNPL)

Credit & Collection Officer (RNPL)

Location: UAE
Salary: AED 3,800 – 4,500 + attractive performance-based incentives

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