InDebted - Head of Collections, UAE

• Own full economic performance of all UAE collections portfolios, including recoveries, roll rates, cost-to-collect, ROI, quality, and customer outcomes • Design, implement, and continuously optimise collections strategies using data, segmentation, and performance feedback loops • Build, lead, and performance-manage all collections staff with clear KPIs, productivity benchmarks, and incentives tied to outcomes • Translate regulatory requirements, enterprise client expectations, and Managing Director priorities into scalable, repeatable operational workflows • Own collections analytics, MIS, and performance visibility so decisions are grounded in data, not intuition • Ensure strict compliance with UAE collections regulations, data sovereignty requirements, and client-specific policies • Act as the primary escalation point for complex customer cases, disputes, complaints, and regulator-sensitive matters • Partner closely with the Managing Director on hiring plans, capacity planning, portfolio readiness, and scale economics • Support enterprise client onboarding to ensure clean launches and early performance stability • Continuously assess build vs buy decisions across tooling, vendors, and agencies with a clear ROI lens • Work with global operations, product, and compliance teams to localise tools, scripts, and processes for the UAE market • 10+ years in collections, credit, or financial operations with clear ownership of performance outcomes and economics • Demonstrated experience building or transforming collections operations from an early or fragmented baseline • Strong analytical background (FP&A, BI, risk, analytics, or equivalent) with the ability to design KPIs, scorecards, and decision frameworks • Proven ability to improve recovery performance while reducing cost-to-collect through automation, segmentation, and process redesign • Experience operating in highly regulated, relationship-sensitive environments (banks, fintechs, BNPLs, telcos, utilities) • UAE or GCC collections experience strongly preferred, with credibility operating alongside regulators and enterprise clients • Strong judgment in high-pressure, high-consequence situations • Comfortable making hard trade-offs between recovery, risk, cost, and customer outcomes • Fluent English required; Arabic a strong advantage but not mandatory • Predictable, improving recovery outcomes with disciplined cost-to-collect and zero compliance incidents • Data-led decision-making with early identification and correction of performance issues • Tooling, workflows, and team structure that scale without linear headcount growth • Enterprise clients trust InDebted’s execution, escalation handling, and risk management • The Managing Director can scale commercial growth confidently, knowing operations will hold the line