JOB DUTIES & RESPONSIBILITIES

• Implement daily task in compliance with the established policies and guidelines
• Conduct training / Refreshing session to Collection team and BUs on loan collection Policy and Procedures
• Monitor overdue portfolio and problematic accounts very closely and act on timely manner when a trigger alerts by reporting it to the Manager or Department Head and/or provide a sound recommendation on immediate action (if any)
• Monitoring the collection efficiency by following-up with business units (BUs) on action taken on regular basis
• Consolidate overdue report from BUs for Credit Committee on weekly basis.
• Propose recovery strategies, legal proceedings, restructure, and write-off for approval.
• Ensure the payment of overdue clients under BUs are followed up, monitored & reported properly.
• Assist BUs to solve pre-NPL accounts by providing sound advice and/or joining the discussion with overdue clients for solution when needed.
• Manage collateral sale process in case borrowers are willing to sell their property
• Work in collaboration with Legal Team and Panel Lawyer, Court, and relevant stakeholders on cases proceeding to the court.
• Follow up with Legal Team on litigation cases.
• To perform other tasks assigned by Head Department

PERSON SPECIFICATION KNOWLEDGE & EXPERIENCES

• Holding at least bachelor’s degree in Banking & Finance, Accounting, or related field
• Obtaining at least 5-year Credit experience and more than 02 years in loan recovery
• Having acceptable knowledge in good credit practices, customer protection concept, and responsible lending to avoid negative impact on environment and society.
• Being able to produce and present necessary reports using computer application such as Ms. Word, Ms. Excel, Power Point, etc.
• Experiencing in handling difficult customers and being a consultant to find sound solution for bad debt recovery.

SKILLS & ABILITIES

• • Ability to work independently and in a team.
  • Excellent interpersonal skills.
  • A strong communicator with excellent written and presentation skills.
  • Impeccable integrity.
  • High PC literacy and Data management skills.
  • Proven analytical and problem-solving skills combined with the ability to identify risks and impacts as well as possible solutions and corrective actions.
  • Self-motivation and ability to work under pressure.