Report to : Regional Manager

Position Summary

The loan recovery unit bears sole responsibility for the management of bad debt accounts including delinquent, non-performing, restructure and write off loans. This unit is under the direct supervision of the Head of Credit.

DUTIES AND RESPONSIBILITIES

(1) Credit Risk Management

• Regularly monitor and evaluate the trends of delinquency and/or NPL and keep management updated on any deteriorations lead to significant loss.
• Regularly follow up the process of managing clients in arrears and problem resolving of all branches and provide them with appropriate supportive ideas.

 (2) Credit Performance Management

• Take part in staff capacity development of all credit personnel concerning with delinquency loan management and solving defaults.
• Ensure that the appropriate actions are taken towards the objectives to fully recover the overdue amounts.
• Travel to branches to investigate the efficiency of delinquency and/or bad debt accounts management for further supports or recommending any possible solution to management.
• Constantly improve skills and knowledge to cope with the company’s expansion.

(3) Reporting and Others

• Prepare regular reports on status of collections and home/business visits to the responsible overdue loan clients to related line supervisors on monthly, quarterly, and yearly basis.
• Be willing and ready to contribute and assist where needed
• Perform other tasks as required by Head of Credit Dept;.

QUALIFICATIONS AND REQUIREMENTS:

Education

• At least Bachelor’s degree in accounting, finance, banking, or business administration

Language

• Proficient in Myanmar Language
• Being able to communicate well in formal English (writing, speaking, and listening)

Practical Experiences and Skills

• At least two year experience in related field.
• At least two-year experience of management in any multi-branch company
• Have a good interpersonal and good Communication skill, result-oriented, negotiation skill with all levels in various situations and strong problem solving skills.
• Computer Literacy- MS Office, MS outlook and MS Excel.
• Be Honest, Flexible, hardworking, able to work under pressure and willing to travel.
• Be well-organized and a good starter 

Emotional and Physical Demands

• Good emotional quotient
• Be self-motivated
• Good willpower
• Be healthy and strong
• Be well-dressed or well-groomed