About the job

Job Title – Senior Business Analyst – Cards & Digital BankingCompany – TCS (MEA)Location – DubaiJob type – Full time

About Us:Tata Consultancy Services (TCS) is an IT services, consulting and business solutions organization that has been partnering with many of the world’s largest businesses in their transformation journeys for over 50 years. TCS offers a consulting-led, cognitive powered, integrated portfolio of business, technology and engineering services and solutions. This is delivered through its unique Location Independent Agile™ delivery model, recognized as a benchmark of excellence in software development.A part of the Tata group, India's largest multinational business group, TCS has over 616,171 of the world’s best-trained consultants with 157 nationalities in 53 countries. For more information, visit www.tcs.com and follow TCS news at @TCS_News.

Job Description:Key ResponsibilitiesBusiness Analysis & Requirement ManagementGather, analyze, and document business requirements through stakeholder workshops and interviews.
Prepare BRD, FRD, User Stories, Use Cases, Process Flows, and Functional Specifications.
Conduct requirement walkthroughs and obtain business signoffs.
Perform impact analysis for new initiatives and system changes.
Facilitate prioritization of business requirements.

Responsibilities

Full job description

The Debt Collection Officer is responsible for managing an assigned portfolio of overdue accounts, recovering outstanding debts, and achieving assigned collection targets. The role requires strong communication, negotiation, follow-up, and problem-solving skills, while maintaining professional and respectful relationships with clients and debtors.

Key Responsibilities

Manage an assigned portfolio of overdue accounts and take proactive action to recover outstanding balances.
Achieve and consistently meet monthly and individual collection targets.
Review account records, payment history, and outstanding balances to determine the appropriate collection approach.
Contact debtors through phone, email, written correspondence, and other approved communication channels to follow up on outstanding payments.
Locate and verify updated debtor contact information when required.
Assess the debtor's financial situation and negotiate suitable payment arrangements, settlement offers, or repayment plans within approved guidelines.
Follow up on agreed payment commitments and ensure payments are received within the agreed timelines.
Handle debtor inquiries, concerns, and complaints professionally and work toward practical resolutions.
Investigate payment discrepancies, account issues, and disputes and coordinate with