Hi, I’m
Linda Saad
Specialized Collections Representative
Sharjah,Al Khan
Summary
Results-driven Debt Collection Specialist with extensive experience at Creditors Management Solutions, excelling in debt recovery and negotiation. Proven track record of achieving recovery targets through effective payment arrangements and dispute resolution. Skilled in legal compliance and time management, successfully reducing escalation rates while maintaining professional communication with clients.
Overview
7
years of professional experience
2
Languages
Work History
Creditors Management Solutions - HoloulAjman
Debt Collection Specialist (Legal Portfolio)
01.2025 - Current
Job overview
- Managing telecom legal collection cases involving accounts escalated for legal action and formal recovery procedures.
- Handling customers with legal notices, court-related cases, and final demand stages in coordination with legal and compliance teams.
- Conducting structured communication with debtors to negotiate settlement agreements prior to or during legal proceedings.
- Assisted in preparation and review of legal documentation, payment undertakings, and settlement confirmations.
- Followed up on court-mandated payment schedules and monitored compliance with legal payment terms.
- Updated CRM and legal case management systems with accurate case progress, communication logs, and legal status changes.
- Ensured strict adherence to UAE legal regulations, telecom client policies, and ethical collection standards.
- Liaised with internal legal department on disputed accounts, documentation requirements, and execution stages.
- Reduced escalation rates by closing cases through negotiated settlements and structured payment strategies.
- Maintained professional and firm communication while managing sensitive legal-stage accounts.
Creditors Management Solutions - Holoul
Debt Collection Specialist (Bucket Portfolio)
01.2024 - 12.2024
Job overview
- Handled telecom bucket portfolio accounts using an automated dialer module, ensuring efficient call flow and maximum daily contact coverage.
- Managed early to mid-stage delinquent accounts with a focus on prevention of roll-over into write-off status.
- Operated predictive / progressive dialer systems to optimize outbound call productivity and improve contact ratios.
- Executed structured follow-up strategies based on bucket aging, customer behavior, and payment history.
- Negotiated installment plans and short-term settlements to maintain accounts within active recovery cycles.
- Monitored system-generated callbacks and prioritized high-risk accounts through dialer queue segmentation.
- Accurately updated CRM and dialer system with call outcomes, customer responses, and payment commitments.
- Achieved consistent contact and conversion targets through effective time management and system utilization.
- Coordinated with supervisors to adjust dialing strategies and improve campaign performance.
- Ensured full compliance with telecom client policies, dialer regulations, and quality standards.
Creditors Management Solutions - Holoul
Debt Collection Specialist (Write Off Portfolio)
02.2022 - 12.2023
Job overview
- Managed outbound collection activities for telecom write-off portfolios, focusing on recovery of high-risk and aged accounts.
- Conducted daily follow-up calls to customers with outstanding balances, negotiating settlement plans and payment arrangements in line with company policies.
- Achieved consistent monthly recovery targets through effective negotiation and persuasive communication.
- Assisted in dispute resolution and clarified billing concerns to facilitate payment closure.
- Maintained professional tone and ethical conduct while dealing with financially distressed customers.
- Coordinated with team leaders and quality team to improve performance and reduce complaint escalation.
- Contributed to improving portfolio recovery rates and reducing outstanding aging balances.
Yasser Saad Law Office
Legal Intern
01.2019 - 05.2020
Job overview
- Assisted in handling legal files related to debt cases, payment disputes, and contractual claims.
- Supported lawyers in preparing legal documents, case summaries, and client correspondence.
- Observed court procedures and gained exposure to legal processes related to financial recovery and enforcement.
- Conducted basic case research and organized client documentation and evidence.
- Developed foundational knowledge of legal compliance, documentation standards, and professional ethics in a legal environment.
Education
Tishreen UniversityLatakia, Syria
Fourth Year from Law
04-2025
Skills
Debt recovery
Timeline
Debt Collection Specialist (Legal Portfolio)
Creditors Management Solutions - Holoul
01.2025 - Current
Debt Collection Specialist (Bucket Portfolio)
Creditors Management Solutions - Holoul
01.2024 - 12.2024
Debt Collection Specialist (Write Off Portfolio)
Creditors Management Solutions - Holoul
02.2022 - 12.2023
Legal Intern
Yasser Saad Law Office
01.2019 - 05.2020
Tishreen University
Fourth Year from Law