Credit & Collection Officer (RNPL)

Credit & Collection Officer (RNPL)

Dubai, United Arab Emirates

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• Credit & Collection Officer (RNPL)

Location: UAE

Salary: AED 5,000

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

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