About InDebted: InDebted provides future-thinking organisations with products and solutions to support overdue consumers through debt. Backed by technology with a human touch, we use machine learning and AI to personalise the collections journey and champion positive customer experiences — all so we can change the world of consumer debt for good.

Founded in Australia, today we're a team of over 300 people living and working around the world. We're rapidly expanding throughout North America, the United Kingdom, Europe, Latin America and the Middle East. We’re a $50m revenue (and growing) organisation, having recently completed our Series C funding round, backed by leading investors such as Airtree. Now is an exciting time to join the team as we continue to make the experience of debt resolution smoother, and more human.

About the Role:

The Head of Collections (UAE) owns the economic performance, compliance posture, and scalability of InDebted’s collections operations in the UAE.

This is a builder-operator role for someone who treats collections as a capital allocation and optimisation problem. You are accountable for turning delinquency into predictable cash outcomes through disciplined execution, data-driven decisioning, and strict compliance in a highly regulated, relationship-sensitive market.

This is not a legacy call-centre leadership role. It is a hands-on operator role with real ownership of outcomes, unit economics, and how results are delivered.

You will design, run, and continuously optimise the UAE collections engine end to end.

Key responsibilities

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

Experience and skills

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

What success looks like

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

350,000 د.إ - 400,000 د.إ a year

• Compensation structure includes a fixed base salary plus performance-based bonus tied to agreed economic and operational KPIs

• UAE work visa sponsorship

• Comprehensive medical insurance

Our benefits packages vary depending on region and role requirements. Our talent acquisition team will be able to share more during the recruitment process.

At InDebted, we respect and celebrate the unique attributes, characteristics, and perspectives that make each person who they are. We also believe that bringing diverse individuals together allows us to build better products and a better overall company. InDebted is an Equal Opportunity Employer.

For Recruiters: We appreciate the interest of all candidates and recruitment agencies, however for this role we are managing this hiring process internally and will not be accepting applications through recruitment agencies. Thank you!

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.