وظيفة مسؤول تحصيل لدى دنانير للتمويل في الرياض

About Dnaneer

Dnaneer Financing Company is a Saudi Central Bank-licensed company providing innovative and Shariah-compliant financing solutions to small and medium enterprises (SMEs) across Saudi Arabia by leveraging crowd funding model. Established in 2023, Dnaneer leverages technology, data-driven underwriting, and strategic partnerships to simplify access to capital and empower business growth. Our mission is to close the SME financing gap by offering flexible, transparent, and customer-centric financial products that support the Kingdom’s Vision 2030 goals.

About the Rol

eDnaneer is hiring a sharp, resilient Collections Officer to join our Collections team. As a SAMA-supervised financing company serving SME borrowers, we operate in a regulated environment where trust, empathy, and precision are non-negotiable

.This role suits someone who combines analytical thinking with strong interpersonal skills, someone who can navigate difficult financial conversations, work constructively with borrowers, and protect the company’s portfolio health with integrity. You will own the full collections lifecycle across a mixed SME and retail portfolio, working closely with the risk, legal, and product teams to recover outstanding obligations and minimise losses

.
Key Responsibiliti

es
Portfolio Management & Recov

• eryManage a portfolio of delinquent accounts across early, mid, and late-stage collections, applying the appropriate strategy for each segme
• nt.Execute outbound collections activity by phone, email, and written correspondence in both Arab
• ic.Negotiate repayment plans, settlements, and restructuring arrangements that balance borrower capacity with the company’s recovery targe
• ts.Ensure all collections activity complies with SAMA regulations, consumer protection guidelines, and internal credit polici

es.
Risk, Data & Repor

• tingTrack, analyse, and report on portfolio delinquency trends, recovery rates, and collection efficiency metr
• ics.Maintain accurate, up-to-date records of all borrower interactions, payment commitments, and account status in the
• CRM.Identify the root causes of delinquency patterns and surface actionable insights to the risk and product te
• ams.Build and maintain regular performance dashboards and reports for collections leaders

hip.
Cross-Functional Collabor

• ationPartner closely with the legal, risk, and finance teams to escalate accounts to formal recovery processes when requ
• ired.Collaborate with product and operations to improve borrower communication, repayment experience, and early-warning sys

tems.
Qualific

ations
R

• equired2-4 years of experience in collections, credit risk, or a related field within a fintech, bank, or financial services c
• ompany.Full professional proficiency in
• Arabic.Demonstrated ability to manage a high-volume portfolio while maintaining quality, compliance, and recovery t
• argets.Strong negotiation skills with a track record of successful restructuring or repayment plan exe
• cution.Solid understanding of credit risk principles, the delinquency lifecycle, and regulatory collections frameworks in Saudi
• Arabia.AI-native: works fluently with AI tools to sharpen portfolio analysis, borrower communication, and day-to-day workflows, and treats them as a core part of how the work get
• s done.Must be a Saudi Na

tional.
P

• referredExperience in SME lending, P2P financing, or consumer credit within a SAMA-regulated environment, a crowdlending background is a strong ad
• vantage.Familiarity with CRM and collections managemen