$ Full time on site

A Bachelor's degree, preferably in Business Administration and or related discipline.

Experience

Prior experience in a collections, recovery, or credit card operations role within a bank or financial institution is advantageous.
A minimum of 3 years' experience in a related role is essential.
Strong interpersonal and communication skills, with proficiency in negotiation and persuasion.
A meticulous and target oriented approach to work.
Familiarity with basic banking principles and products is preferred.
Ability to work independently and as part of a team in a dynamic environment.
Proficiency in standard office software.

Portfolio Management & NPL Reduction:

Diligently monitor the NPL portfolio to identify and manage overdue accounts.
Contribute directly to the reduction of the Bank's NPL ratio by maximising recovery and facilitating the regularisation or declassification of accounts.
Strive to achieve monthly, quarterly, semi-annual and annual collection targets as established by management.
Manage relationship with the non-performing Retail, Corporate & SME borrowers of the Bank and thereby reduce the Bank’s NPL ratio at sustainable level.

Client Engagement & Recovery Operations:

Initiate and maintain communication with customers regarding overdue payments through telephone calls, written correspondence, SMS notifications and in-person visits.
Conduct visits to customers' residential, business, or permanent addresses to facilitate recovery.
Correspond with loan guarantors and or references via telephone or visits to encourage resolution of outstanding dues.
Liaise with employers for the realisation of dues from service benefits, where applicable and appropriate.
Address inquiries from walk-in customers or their authorised representatives, providing necessary guidance and resolving issues.
Visit the customer’s business premises, residential addresses, mortgaged properties, Tahsil offices and other relevant locations to verify and collect information.

Reporting & Internal Coordination:

Prepare and submit timely and accurate recovery reports to your supervisor and departmental head as required.
Circulate daily overdue statements to relevant stakeholders.
Facilitate inter-branch communication and coordinate with other departments to ensure seamless operations and information flow.
Promptly inform the line manager and departmental head of any disputes with customers or suspected fraudulent activities.

Support & Adherence:

Ensure compliance with internal policies and procedures and regulatory requirements with the Bangladesh Bank.
Provide assistance in initiating legal proceedings against delinquent accounts when deemed necessary.
Undertake any other duties or projects as assigned by your Supervisor or the Head of the Department to support the Bank’s objectives.

Work at office

Full Time

Dhaka