Job Purpose

Receives and studies the files for the Customers assigned and plans his work program and priorities accordingly. This includes Filling Station credit Customers, Tenants, RahalCard holders and cross acceptance Emarat Card Holders. Call and meets with the Customers to discuss the settlement of their outstanding accounts. Prepares in line with Company\'s Policy a settlement programs for each Customer and discuss with the Supervisor / Division Manager before giving final Company proposal to the Customer. Monitor Customer\'s adherence to the agreed payment schedules. Devises quick course of action in event of payment defaulted. Prepares weekly, monthly and quarterly reports and when asked by the Supervisor. Ensures accounts of defaulters are blocked and unblocked as soon as payments are settled

Job Specific Accountabilities (Part 1)

• Receives the list and files of the Customer assigned from the Supervisor. Studies these files and plan his work program and priorities. Verifies additional information from Finance Division and or from Sales Manager regarding his Customers to learn more about the cases assigned to. Classifies the Customers to determine the credit qualities of each Customer and discusses his strategies with the Supervisor before meeting with to the Customer.
• Calls and arranges formal visits to individual Customer to discuss the unpaid dues in their accounts and expresses Company\'s dissatisfaction with their attitude. Explains Company\'s policy with regards to the subject and the consequence if the debt is not settled on time. Listens to the Customers views and their proposals to clear the outstanding accounts. Takes the necessary notes and prepares a Report on the encounter to discuss with the Team Leader and Division Manager.
• Studies and analyses Customer proposals and develops own proposal / counter proposal. This includes term and conditions of payment, the guaranties or collateral etc to secure Company\'s debt. Discusses and seek the approval of the Supervisor and Division Manager before his proposal is formally tabled to the Customer.
• Prepares formal Agreement based on the proposal approved internally and discuses with the Customers and secure his acceptance. Insists Company\'s seriousness of the Agreement and its breach is not acceptable to the Company. Obtains Customer\'s signature of the Agreement and forwards signed copies to the concerned Divisions/ Departments and retain his copy for record.
• Monitors Customer\'s adherence to the agreed settlement payment program and devises immediate regularization option should there be any default. Warns the Customer on such default and reminds the Term and Conditions he agreed and signed. Asks the Customer immediate correction of his payment status.
• Ensures in coordination with the Sales Managers in Retail Sales and Smart Card the default accounts of Filling Station credit Customers, Tenants, Rahal and Emarat Card holder are blocked and unblocked as soon as their accounts and payments are settled.
• Investigates and researches where necessary debtor\'s assets, income sources, liabilities to other creditors and financial standing point. Assesses recovery prospects and reports his findings and recommendations to the Supervisor.
• Coordinates regularly with Smart Card Centre to receive the latest update and standings of the Smart Card, Filling Station and Rental Income debts. Verifies unidentified payments made through Banks are credited to the right Customer and accounts.
• Prepares weekly, monthly and quarterly reports on actual cash recovery from the Customers assigned to him showing shortfall to targets, reasons for failure and action taken. Deposits all Cash collection promptly to the Company\'s Office and obtains receipt against the deposit.
• Coordinates regularly with Sales Managers in the Division to receive information and feedback from the assigned Customers.
• Prepare Reports pertaining to accounts classified as bad debt after all possibility of recovery is exhausted. Recommends Legal action and provides all documents for the cases referred to the Legal Department.
• Perform other job related duties such providing necessary information and supporting documents to the Legal staff as required and other jobs assigned to him by the supervisor.

Job Specific Accountabilities (Part 2)

Job Specific Accountabilities (Part 3)

Generic Accountabilities

Supervision

• Plan, supervise and coordinate all activities in the assigned area to meet functional objectives.
• Train and develop the assigned staff on relevant skills to enable them to become proficient on the job and deliver the respective section objectives.

Budgets

• Provide input for preparation of the Department budgets and assist in the implementation of the approved Budget and work plans to deliver Section objectives.
• Investigate and highlight any significant variances to support effective performance and cost control.

Policies, Systems, Processes & Procedures

• Implement approved Section policies, processes, systems, standards and procedures in order to support execution of the Section\'s work programs in line with Company and International standards.
• Comply with all applicable legislation and legal regulations.

Performance Management

• Contribute to the achievement of the approved Performance Objectives for the Section in line with the Company Performance framework.

Innovation and Continuous Improvement

• Design and implement new tools and techniques to improve the quality and efficiency of operational processes.
• Identify improvements in internal processes against best practices in pursuit of greater efficiency in line with ISO standards in order to define intelligent solutions for issues confronting the function.

Health, Safety, Environment (HSE) and Sustainability

• Comply with relevant HSE policies, procedures & controls and applicable legislation and sustainability guidelines in line with international standards, best practices and ADNOC Code of Practices.

Reports

• Provide inputs to prepare Section MIS and progress reports for Company Management

Generic Accountabilities (continue)

Internal Communications & Working Relationships

• Has frequent contact with Credit & Collection Manager to discuss work related, resolve issues and receive work direction.
• Has frequent contact with Finance Division personnel when discussing Customer payment and or exchanging information.
• Has frequent contact with Business Unites personnel when discussing Customer accounts

External Communications & Working Relationships

• Has frequent contact with default Customer when negotiating debt settlement.

Minimum Qualification

BA Degree in Finance or Business Administration or equivalent.

Minimum Experience, Knowledge & Skills

• 6 Years experience in debt collection and credit recovery in similar services organization or Bank.
• Public relation, interpersonal and negoitiation skills are a must
• Fluent in both English and Arabic languages orally and written
• IT literate with experience in MS office applications
• Valid U.A.E. driving license

Professional Certifications

As applicable

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