Unsecured Collection & Recovery Manager
OCBC Bank
Kuala Lumpur, Malaysia
22 jam yang lalu

Description : Financial

Financial

  • Contribute to 30+ and 90+ delinquencies, driving NPL number and SP budgets, reducing / meeting departmental cost.
  • Lead and manage the team to achieve the target, delinquencies, collector productivities & effectiveness for both Unsecured Collections & Bad Debt Recovery.
  • To maximise Bad Debt Recovery collection for written off accounts (above 180 days past due) for Unsecured and Secured accounts.
  • Manage and achieve the target indicator set in terms of delinquencies, recoveries, attempts, contacts, PTP kept and dollar collected.
  • Contribute to meet department financial KPI and departmental cost.
  • Compliance

  • Submission of CSA / RRSA and other relevant reports within due date.
  • Ensure strict adherence to all credit policies, procedures, BNM guidelines, information security and compliance matter.
  • PDPA, Banking Secrecy, etc.)

  • Ensure that collection actions taken are within corporate guidelines and collection policies.
  • Processes

  • Manage accounts in the Debt Manager to control flow through and to achieve the targeted delinquencies and recoveries.
  • Monitor and manage the Unsecured DQ3 (CC & CashI 60 to 89 dpd) portfolio to prevent accounts from turning NPL.
  • Review Collection statistics and implement strategies to prevent flow through of accounts, control delinquencies, maximise bad debt recovery and minimise specific provisions.
  • Review Debt Manager Collection System work queue daily and review Collectors proposal timely.
  • Monitor Collectors performance closely and coach and guide weaker collectors to achieve KPIs sets.
  • Manage staff resources and ensure smooth operations of the team daily.
  • Attend to walk-in customers when necessary and all complaints lodged and ensure closure (GIFT).
  • Assist to negotiate for settlement or instalment plan.
  • Managing and obtaining approval for composite settlement or instalment plan.
  • Handle and manage customer objection or issues escalated.
  • Execute collection strategy to accelerate recovery.
  • Human Capital

  • Manage and achieve the target indicator set in Collectors scorecard and department KPI.
  • Develop staff to a higher level of performance through personal coaching; appraisals and training.
  • Plan for continuity and succession of jobs by recognising and developing staff potentials.
  • Implement new initiatives to constantly improve Employee Satisfaction; maintain high morale of staff and retain good performers in the team.
  • Take on ad hoc projects and / or special tasks assigned by Unit Head and Department.
  • Back up other colleagues during their absence.

    Qualifications

    Experiences & Qualifications

  • Able to lead and inspire a team to achieve delinquency and productivity targets
  • Hands-on experience in Collection, Litigation and Recovery process
  • Strong knowledge and practical experience on litigation process and understanding of regulatory requirements
  • Practical knowledge and experience on Unsecured / Secured products with Collection & Recovery systems
  • Pleasant disposition with good interpersonal and communication skills
  • Good negotiation skills
  • Possess strong communication and inter-personal skill
  • Strong in process and workflow management to achieve higher efficiencies
  • Relevant tertiary or Diploma qualification or equivalent.
  • Minimum 3 years of Collection experience in Unsecured Product and / or Litigation.
  • Knowledge and experience in recovery
  • Proficient in English and good writing skills
  • Positive attitude together with initiative and able to work independently
  • Able to motivate team towards achieving goals
  • Good knowledge of Microsoft Words, Excel, and PowerPoint
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