Report to : Regional Manager

Position Summary

Regional Loan Recovery Officer bears sole responsibility for the management of bad debt accounts including delinquent, non-performing, restructure and write off loans as well as perform for necessary tasks of investigation which lead to loss of branches under assigned region. He is under the direct supervision of relevant Regional Manager.

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 of branches.
• Regularly follow up the process of managing clients in arrears and problem resolving of regional 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 from regional branches.
• Ensure that the appropriate actions are taken towards the objectives to fully recover the overdue amounts and continuous monitoring.
• Travel to branches to investigate the efficiency of delinquency and/or bad debt accounts management for further supports or recommending any possible solution to branch management team and Regional Manager.
• Cooperate with Loan Recovery Unit Manager and Credit Department for loan recovery process and suggest further assists or supports for bad-debt collection.
• Constantly improve skills and knowledge to cope with the company’s expansion.

(3) Recruitment Involvement 

• Help Regional Manager and Credit department identify staffing need for the branches and department.
• Participate in the process of recruitment and selection of Credit staffs.

(4) Reporting and Others

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

QUALIFICATIONS AND REQUIREMENTS:

(1) Education

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

(2) Language

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

(3) 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

(4) Emotional and Physical Demands

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