The position is responsible for handling the delinquent/NPL customers in diplomatic way to collecting the overdue amounts from customers.

• Good in negotiation and handle the delinquent/NPL customers in diplomatic way to collecting the overdue amounts from customers
• Manage and lead a team for collecting and recovery from the customers with a sound implementation plan to achieve the goal
• Manage all risk assets of delinquent borrowers to secure and maximize the return to the Bank
• Sound knowledge of litigation process and able to handle with legal team request and understand the concept of restructure/reschedule facilities etc.,
• Accuracy in figures and able to present the status of delinquency/NPL customers together with recovery status & action plans to the HOD
• Ensure that all delinquent borrowers in NPL portfolio are correctly credit graded/classified and provisioned as per rules & regulations
• Collaborate with all Branches, Relationship Managers to advise on all aspects of problem loan recognition and report to the management
• Responsible for leading the NPA Management (Collection Team) and defining short/long term tactical plans of the team
• Frequently influence others outside the organization with similar objectives to accept new concepts or processes
• Required to modify existing methods and approaches within own scope/role responsibilities without the benefit of existing procedures, but occasionally affects others area
• Manage and lead team with deep knowledge of a single area within a function/ broad knowledge of multiple areas within a function
• Execute other duties and projects as are reasonably required of your job, in order to maintain, promote, develop and expand the bank and its interests

• Bachelor’s/Master’s Degree in any related field
• Minimum of (5) years experiences in Banking Industry, with at least 3 years in collection/recovery from overdue customers
• Familiar with the relevant financial regulations, Directives from CBM and other legal framework related to lending business
• Sound and proven knowledge in financial literacy to analyse the cash flow, nature of business and Industry, and relevant risks of applicants
• Excellent verbal, written and interpersonal communication skills, including the ability to communicate effectively with the customers
• Professional attitude and appearance, good communication and public relation, Customer service mindset and attitude
• Strong problem-solving, managerial and analytical skills; good social and communication skills, coupled with organizational skills.
• Solid written and verbal communication skills in English
• Able to use MS Office Application