Full job description

Job Description

Collection Activities:

• Follow up on all allocated overdue accounts and ensure resolution as per the target assigned (monthly).
• Ensure detailed review of the case given the long tenure relationship with customers
• Ensure full history of current RM and previous interactions are are reviewed prior to a call including review of any past remedial / legal actions and current status.
• Ensure if rental product then BSA and TCR to be reviewed for rental status.
• Interact with customer in compliance to CPR to ascertain reasons for delinquency
• Ensure that the individual targets based on both Efficiency and Productivity parameters are met on a monthly basis
• Obtain detailed information about the overdue customers and the same is documented on collection system for future trails on the account.
• Ensure that the collection process is carried out within the framework of code of conduct and keeping in mind the reputation of the bank
• Any other customer follow up action as required by the Bank from time to time.
• Any high risks to be flagged off to respective managers for accelerated actions.
• Evaluate all viable options post discussion with customer to stem flow to next overdue status.
• Ensure compliance with local legal and regulatory requirements and report any legal and regulatory developments which impact or may impact the collection activities / legal actions.
• KYC (Know Your Customer)
• AML (Anti Money Laundering)
• CPR compliance
• Adherence of Collection Targets / Budgets
• Ensure CPR compliance whilst dealing with Customers
• Nil High Risk Audit observations.Qualification Required
• Bachelor’s Degree
• Minimum of 3+ years collections experience in mortgage collections in UAE
• Awareness of the legal options and remedial options

Skills set required:

• Excellent Communication skills
• Basic banking knowledge
• Strong negotiation skills
• Good computer skills
• Dialer experience

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