Job Purpose *
Responsible for performing collection dunning to customers with the aid of Collection tools and scripting to minimize flow through, delinquency and impairment in achieving the business objectives.
Key Responsibilities *
Business Performance and Management
- Perform phone dunning activities on all delinquent / impaired customers assigned with adherence to the approved Collection Script to meet business goals and objectives.
- Successfully work on accounts as per guideline requirements set in collection system.
- Ensure the portfolio assigned are attempted within the stipulated time set by manager
- To manage portfolio appropriately towards target setting.
- To render full support towards team performance
- All customers enquiries are to be attended within 24 hours
- Prepare proposal for Rescheduling &Restructuring (R&R), Compromised Settlement, payment proposal & etc.
- Ensure daily, weekly, monthly KPIs are met
- Ensure timely litigation are instituted.
- Provide workable resolution to customers enquiries
- To attend walk-in customers (with the Manager’s presence) to further discuss on repayment plan
- Avoid Operational Losses
- Assist Team Manager on any ad-hoc projects
People Management
- Liaise with Manager on customers’ issues.
Regulatory Compliance
- Ensure satisfactory rating on all audit reviews.
- Ensure compliance of internal policy and procedures, Bank Negara guidelines and regulation, i.e. FSA /IFSA 2013, Fair Debt Collection & etc.
- Highlight suspicious and new account behavior to Team Manager to mitigate fraud.
Relevant Work Experience
- With relevant Collection and Recovery experience
- Banking Experienced not less than 2 years
- Fresh graduates are encouraged to apply
Competencies/Skills
- Computer literacy – basic MS Words and Excel
- Candidates with experience in Collections, Recovery, Call Centre, Customer Service, Telemarketing, Telesales, or Banking Operations will have an added advantage.
- Able to work in a target-driven environment
- Proficient in Bahasa Malaysia and English. Ability to communicate in additional languages and dialects is an added advantage
- Good communication and negotiation skills.