Legal Officer – Collections & Recovery

About the role

The Legal Officer will join the Collection & Recovery Department of Emirates NBD in Al Ain, supporting the bank’s asset quality by initiating and managing legal recovery actions for overdue personal and SME financing facilities.

Key responsibilities

• Review delinquent and non‑performing accounts referred by the collections team for legal escalation.
• Analyze financing contracts and assess the legal viability of action.
• Prepare and issue legal notices, demand letters, and court submissions in coordination with internal legal and external law firms.
• Initiate legal actions for bounced cheques, unpaid debts, or contract breaches through the UAE judicial system.
• Coordinate with external legal advisors, police, and court authorities to ensure proper filing and follow‑up on cases.
• Track and report the progress of legal cases, including hearing dates, judgments, and enforcement status.
• Work with internal stakeholders (collections, credit, risk) to ensure case consistency and approval workflows.
• Recommend settlement, restructuring, repossession, or legal closure based on cost‑benefit analysis.
• Maintain accurate legal case records in the bank’s MIS and support audits and regulatory reviews.
• Required profile
• UAE national (UAEN) with a family book.
• Bachelor’s degree in law.
• Excellent oral and written communication in English.
• Ability to interpret and apply banking concepts to legal enforcement.

Required skills

• Proficiency in MS Office.
• Experience with legal tracking systems and banking software.
• Skilled in preparing legal documents and reviewing contracts.