Manager, Asset Quality Management

Contacting Debtors and Negotiation

• Reach out to customers who have defaulted on loans, credit payments, or bills via phone, email, letters, or in-person visits.
• Discuss reasons for non-payment and negotiate repayment plans suitable for the customer’s financial situation.
• Adjust loan terms, restructure accounts, or propose settlements where applicable.

Account Management and Monitoring

• Track overdue accounts and maintain detailed records of all interactions and repayment arrangements.
• Monitor repayment schedules, progress, and escalation if customers remain delinquent.
• Generate reports on collections activity, recovery rates, and account status for management.

Manage NPLs

• Handle high-risk and default accounts.
• Develop specific recovery plans (restructuring, legal action, settlements).
• Work to reduce NPL ratios.

Legal Compliance and Coordination

• Ensure all collection practices comply with local regulations.
• Collaborate with legal teams for debt recovery actions, repossession, or court proceedings if necessary.
• Review accounts for risk and recommend provisions or write offs for irrecoverable debts.

Customer Service and Relationship Management

• Provide empathetic and professional service to maintain positive relationships with borrowers while enforcing repayment obligations.
• Serve as a liaison between clients, internal teams, and external agencies to resolve disputes and address account issues.

Reporting and Analysis

• Prepare management information reports to illustrate portfolio performance, recovery trends, and problem accounts.
• Analyse borrower data to design collection strategies and optimize recovery efficiency.

Knowledge Skills and Experience:

• Tertiary qualification in Economic, Accounting & Finances, or related field.
• Typically, 8-10+ years in banking with at least 7-8 years’ experience in asset quality management such as collection & recovery.
• Strong analytical skills.
• Understand local regulatory requirements.
• Strong negotiation, persuasion and problem-solving skills.
• Ability to work under matrix and demanding environment.
• Strong communication and interpersonal skills.
• Attentive to detail and accuracy.
• Good English both speaking and writing.
• Computer literacy in MS Word, Excel and Power Point.
• We encourage candidates from all backgrounds to apply.