Job Description
• To manage the Bank’s portfolio of retail delinquent assets through monitoring, tracking and employing cost-effective techniques appropriate to each defaulting debtor to ensure the collection and recovery of the loans in the shortest possible time.
Roles & Responsibilities
KEY RESPONSIBILITIES
1. Business Management

• Proactive portfolio management through daily calls, emails, letters, meetings etc.
• Formulation of strategies for successful collection/recovery and reduction in classified and non-performing loans.
• Prepare and maintain daily performance monitoring trackers/report for constant follow up on key parameters on the collection portfolio, with primary focus on
a. Updating on collection strategies, delinquent flow and default reasons
b. Deep diving on product performance and early detection of delinquencies
c. Monitoring collection flow(Backward flow, Stemmed and forward flow)
• Maintaining retail portfolio for both existing and newly added accounts ensuring close updating of the status for each account is maintained with weekly reporting
• Liaise with other Units, namely Credit, Retail and Legal units in ensuring all correspondence regarding collection and recoveries of retail assets are done and perioding meeting meetings held.
• Preparation of weekly and monthly collection/recovery reports.
• Liaising with external parties such as executives or representatives of defaulting borrowers, legal firms, court brokers, debt collections bureau/agents, firms specializing in search and identification of clients’ properties and the courts, in the process of recovery of non-Maintaining collection tracker and projection for NPL and written off accounts and share the same on weekly basis for discussion with Recoveries team.
• Preparing and sending reminders to customers regarding payments, or other issues as mandated by management.
• Update management on the performance of retail loans during Management Credit Committee Meeting (MCC).
• Undertake the analysis of NPL’s repayment trend considering monthly arrears reports to determine whether there is improvement or further deterioration calling for immediate action.
• Give guidance and advice on collection/recovery processes of retail loans.
• Monitoring, tracking and advising the responsible Relationship Managers [RMs] on all retail debtors that appear in the arrears list.
• Corresponding with key internal stakeholders, for example the business teams etc.
• Assist in the implementation and UAT of major credit related projects specifically for collection and recoveries unit.

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