Commercial Bank of Dubai
Manager, Collections Support (Business Banking Credit)
- Permanent
- Sharjah, United Arab Emirates
- Experience 5 - 10 yrs
Job expiry date: 27/03/2026
Job overview
Date posted
11/02/2026
Location
Sharjah, United Arab Emirates
Salary
AED 20,000 - 30,000 per month
Compensation
Job description
The Manager, Collections Support – Business Banking Credit role is responsible for overseeing and managing all collections and recovery activities within the bank, with a strong focus on optimizing recovery outcomes while minimizing operational, financial, and reputational risks. The role ensures audit readiness through the implementation of robust processes, comprehensive documentation, and strict adherence to internal policies and external regulatory frameworks, including Consumer Protection Regulations and UAE Central Bank guidelines. Risk management is a core component of the role, requiring continuous identification, assessment, and mitigation of risks across the collections lifecycle. The position involves close collaboration with internal stakeholders such as Legal, Risk, and Finance, as well as external recovery agencies, to ensure alignment with collection strategies, compliance standards, and service-level agreements. The role balances achievement of recovery targets with budget management, service delivery standards, operational efficiency, and regulatory compliance. Responsibilities include developing and overseeing a comprehensive collections and recovery strategy, analyzing portfolio performance using metrics such as Accounts Coverage Ratios, recovery rates, roll rates, and loss forecasts, and implementing Champion Challenger programs supported by cost versus benefit analysis. The role maintains oversight of high-risk and legal accounts, manages early-intervention and pre-emptive calling strategies, and oversees the internal Debt Counsellor function in line with Consumer Protection Regulations. The Manager leads collections teams, sets performance targets and KPIs, ensures turnaround time adherence, streamlines and automates workflows, and fosters a culture of compliance, accountability, and continuous improvement across the collections function.
Required skills
Key responsibilities
- Develop and oversee the implementation of a comprehensive collections and recovery strategy covering all recovery-related activities within the bank.
- Ensure collections processes align with operational policies, regulatory frameworks, and Consumer Protection Regulations.
- Design and implement Champion Challenger programs with detailed cost versus benefit analysis to drive higher resolution rates across products and delinquency buckets.
- Analyze collections portfolio performance including Accounts Coverage Ratios, recovery metrics, roll rates, and loss forecasts to enhance collection efficiency.
- Conduct cost-benefit analysis and operational risk assessments to identify improvement opportunities and mitigate risks.
- Work closely with Finance and Collections teams to provide risk input on annual collections capacity planning and budgeting, including FTE and incentive budgets.
- Report portfolio performance to senior management, highlighting areas of concern and recommending corrective actions.
- Identify key portfolio trends and implement corrective measures to improve recovery rates.
- Maintain audit-ready processes through robust controls and compliant documentation aligned with internal and external standards.
- Ensure adherence to risk management policies, escalation procedures, and timely resolution of identified issues.
- Manage and oversee external recovery agencies, ensuring compliance with regulatory requirements, service-level agreements, and bank strategy.
- Evaluate external agency performance regularly and implement corrective actions to optimize recovery outcomes.
- Collaborate with legal teams to manage accounts under ongoing or pending legal action.
- Address high-risk accounts by implementing appropriate actions and controls to minimize exposure.
- Ensure adherence to the bank’s operational risk management framework and Consumer Protection Regulations.
- Streamline collections processes, automate workflows, and implement innovative solutions to improve operational efficiency.
- Optimize resource allocation and ensure adherence to turnaround time standards for collections activities.
Experience & skills
- Hold a Bachelor’s degree or higher in Mathematics, Computer Science, or Statistics.
- Possess a minimum of 6+ years of experience within collections functions at various levels, preferably across banking institutions.
- Demonstrate hands-on experience managing collections portfolios, portfolio analysis, and collections MIS.
- Have experience in capacity planning for collections teams.
- Exhibit strong understanding of banking operations, internal policies, and procedures.
- Demonstrate solid knowledge of the external economic and market environment, including UAE Central Bank and other statutory guidelines.
- Have prior experience working directly in collections and recovery environments.