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.
• 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