Job Category: CreditJob Description:Strategy and Planning
To establish effective collection strategy and risk mitigation tools to control delinquency and flow rate to be in line with business plan
Continuously explore ways to improve collection process and work flow to ensure collection effectiveness and optimum utilization of available resources
Periodically review of collection strategy, tools and incentive target to be aligned with changing business environment and credit cost target
Business Performance and Management
Manage and control portfolio delinquency performance, NPL ratio and net credit loss
Leading and developing collection operation to handle business growth
Monitoring first payment default trend and fraud suspect to prevent credit losses
Manage, supervise, monitor and control portfolio delinquency performance, NPL ratio and net credit loss of Auto portfolio
Develop and implement collection strategy to improve collection efficiency
Improving productivities of collectors (150+ FTE) to meeting collection target and goals.
Managing field collectors (150+) in countrywide and develop strategy to achieve business goals.
Managing outsource agencies (50+) to handle delinquent accounts; NPL, repossession and litigation
Manage auction stock of repossessed vehicle to optimize selling price.
Manage collection expense to optimize collection expense vs. performance
Planning and forecasting net credit loss and expense
Improve, develop and control collection process.
Collection system administrative and managing all collection projects.
People Management
Manage capacity plan to optimize resoures to support business expansion and collection strategy
To collaborate with HR on staff recruitment, training and coaching plan and carreer development planning for talent staff.
Built up team work and team spirit as well as staff's engagements
Regulatory Compliance
Ensure collection staffs have fully complied with the bank's policy, collection's guideline and relevant regulations and laws
