- The job holder responsible for ensure the excellent completion of the debt collection quality plan on the Center's management portfolio, in accordance with the strategy, targets, and budget, and flexibly change to match the overall scale and development strategy of Techcombank from time to time, and at the same time, building, organizing, operating and developing professional and effective debt collection management.
- Propose and implement methods to improve operations, in order to ensure service quality commitments (SLAs), debt collection targets and risk-debt ratio goals are assigned to each period and comply with Techcombank's responsibilities for operational risks and regulations of the Law.
Main job responsibilities:
- Implement field collection activities for customers in the assigned scope of responsibility: Verify customer information, debt status; Evaluation of goodwill and capacity of customer; Build a debt recovery plan according to the assigned process or plan; Implement the plan, report the progress and results of the Field Collection to the debt collection system; Report the status of debts to line manager to have advice for appropriate debt settlement solutions timely.
- Building and strengthening the quality of Field Collection service: Ensure regulations to meet Field quality and comply with Techcombank's regulations, propose measures to improve and improve call collection quality; Contribute to the draft of processes, regulations and projects as assigned by relevant leader (Manager, Field Debt Collection/ Director, Collection)
- Proposing debt recovery measures for high-risk debts in the assigned portfolio; Provide feedback and comments on any proposed changes in collection management policies, credit policies when requested.
- Consulting on process, product and operation development.
- Actively warn about the risk of debt arising; Timely detection of risk factors; Propose and advise relevant leader (Manager, Field Debt Collection/ Director, Collection) to control the debt ratio.
- Forecasting the size of bad debts arising to develop early prevention plans based on standard data from Risk. Warn the risk of debt arising by location / customer segment / product.
- Perform other duties as assigned by leader
Risk management and compliance:
- Identify risks and proactively report to management.
- Implement and enforce risk prevention/reduction measures
- Perform work in accordance with policies, regulations, procedures, internal guidelines...
- Closely coordinate with the CA, CFM department in detecting violations and warning of risk factors to credit quality.
Personnel management:
- Ensure full participation and completion of training courses, development and implementation of the annual CDP
- Continuously improve professional skills.
Organizational cultural work:
- Ensure to actively participate in organizational cultural activities of the department and the Bank.
- Ensure correct and complete implementation of organizational culture implementation plans; Understand and consistently apply organizational cultural values and behavioral norms.
Key Relationships - Direct Manager
Manager, Field Debt Collection/ Director, Collection
Key Relationships - Direct Reports
NA
Key Relationships - Internal Stakeholders
Branches/RBG Regions, Operational Risk Management and Compliance - CSA AMC, Ky An, LA+, Risk Management Division, CA Division, HR Division, WB Division, Internal Security, Finance Division, sub - functions in Collection
Key Relationships - External Stakeholders
Customers are individuals, agencies and organizations involved.
Success Profile - Qualification and Experiences
Domain Expertise
- At least 07 years of experience related to credit activities, debt collection of the Bank
- Understanding of commercial banking credit system
- Professional knowledge (law, economics, banking, etc.)
- Knowledge of laws related to corporate law luật
Qualifications
- University, Master's degree preferred and/or Lawyer Major: Law, Finance or related field lĩnh
- English level: according to the Bank's policy in each period