Principle Accountabilities

Reviewing and identifying accounts in early arrears and recommending the best plan of action for resolution.
Implementing approved action plans and monitoring performance of accounts to ensure that objectives are met.
Keeping requisite data on assigned portfolio that is to be used in production of reports.
Use analytics dashboards to flag and highlight incidences that reflect heightened risk profiles and non-adherence to loans covenants.
Conducting customer call visits to access business performance for SMEs and Corporate clients.
Ensure accurate Collections Progress Reports (CPR) that is detailed on assigned portfolio are generated and reviewed.
Reduction of monthly provisioning from current average and accounts migration.
Coordinating with external service providers e.g. brokers and insurance companies on the recovery process for assigned accounts where necessary (asset finance & IPF)

Key Competencies and Skills

Knowledge of CRM software and Microsoft Office Suite - Intermediate excel skills.
Solid customer service attitude with excellent negotiation skills.
Knowledge of KYC/AML compliance requirements.
Astute product knowledge.
Knowledge of portfolio management.
Commercial acumen.
Analytical skills.
Knowledge of relevant laws and regulations governing debt collection practices.
Proficiency in evaluating credit risk and making informed decisions on debt repayment plans based on risk assessment.
Familiarity with credit scoring systems and models to evaluate credit risk accurately. 

Minimum Qualifications, Knowledge and Experience
Academic Qualification

 Bachelor's degree in Finance, Business, or a related field preferred.

Experience

3 years’ experience, two of which should be in credit / lending in a debt management / collection functions or credit analysis.