Non-performing Assets Senior Manager

2 weeks ago


مصر, Egypt Credit Agricole Egypt Full time

Oversee and assist in the monitoring and analysis of customer accounts for non-payments, delayed payments and other irregularities
- Manage Collections Agencies to maintain Active portfolio quality and to maximize agencies' performance to increase flow rates and to decrease credit losses within the Norm.
- Track agencies portfolio performance and monitor delinquent accounts.
- Manage collections agencies External Collections Coordinators.
- Monitoring the flow forward and backward rates of the delinquent accounts.
- Track external agencies’ productivity and effectiveness.
- Monitoring the agencies’ performance on accounts sent for legal actions in coordination with attorney in the execution of judgment.
- Handling and responsible for staff to finalize their daily tasks
- Review external agencies expense claims.
- Formulate and lead a team in carrying out agencies quarterly auditing.
- Provide inputs in capacity planning for the work assignments for the agencies.
- Responsible for setting and communicating monthly targets to ensure stable delinquency rates and better than plan loss numbers.
- Analyze customer's files: validation of contact points, analysis concerning the customer's solvency in respect to the ethical rules.
- Set meetings with high balance delinquent customers.
- Review customers' profile and recommend the most effective collection actions.
- Training and mentoring of staff members in the collections department.
- Impairment forecast report and MIS reports to the management.
- Attending the legal expert session to discuss and prove customers indebtedness.
- Enhance on the procedures and the strategy with the department policy abiding by the Compliance, Credit policies, & local regulatory & legal requirements.
- Identify bottle necks to streamline all collections process and to increase productivity and enhance quality
- Provide the management with the retail delinquency ratio for each product on monthly basis
- Recommend changes to risk parameters and refine existing policies to improve portfolio quality, performance cost effectiveness or efficiency.

Qualifications
- Minimum 3 years’ of experience in same field.
- Credit knowledge
- legal and regulatory requirements
- Collection techniques
- Product knowledge



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