Job Description

Description Primary Objective: * Maximizing collection effort to meet the productivity and efficiency in collection. * Organize and prioritize assigned loans to cure accounts. * Maximize cure rate and manage flow rates of defaulted loans. Description Primary Objective: Maximizing collection effort to meet the productivity and efficiency in collection. Organize and prioritize assigned loans to cure accounts. Maximize cure rate and manage flow rates of defaulted loans. Carry out task and strategy implemented by Department from time to time to achieve the collection target. Key Responsibilities: Perform collection calls and follow up on overdue accounts. Prioritize and organize loans based on various factors to extend the right collection treatments. Perform a thorough review of loan's servicing history. To establish contact to customers through telephone and email. Advising debtors of the possible consequences of non-payments towards the loans. To negotiate overdue payment with customer and make sure the payment is made before due date. To recommend alternative to assist customer to overcome the financial difficulties. To meet monthly KPIs targets set by Department. To handle difficulty customer tactfully, if unable to handle then escalate to next level immediately. To maximize collection effort and work as a team in achieving the monthly delinquency target and minimize the delinquency ratio. Monitor accounts on a daily basis. Escalate to Team Leader for any suspicious activities in customer's account for further investigation. Make sure strict adherence to all credit policies & procedures, BNM guidelines, compliance & etc. Offer Risk Mitigation Plan (R&R/ Interest rate/ AKPK/ EPF/ Settlement) to eligible customer. Assign un-contactable accounts to skip trace, site visit and send call card (whichever relevant). Raise instructions and follow up on legal status with Litigation team. Practice and display exemplary service excellence at all times. Any other assignments given by the management from time to time as the Bank may deem fit. Requirements Requirements: Diploma - . Degree . Diploma. Fresh graduate or 2 years of working experience in collection & recovery related fields Effective communication and interpersonal skills Proficient in English Knowledge of various collection techniques Benefits Dental, Education support, Miscellaneous allowance, Medical, Loans, Sports (e.g. Gym), Parking, Vision, Regular hours, Mondays - Fridays, Casual Business Wear, Performance Based Rewards