Unit Manager, Early Remedial Management (Mortgage)

Job Purpose Responsible for supervising, supporting, guiding, coaching the collectors to meet the portfolio's monthly KPI drivers set by Management. Job Descriptions Financial Drive the team towards meeting the KPIs set on Delinquency Ratio (DR), Write off Preventive and Impaired Loan (IL) management. Guide and assist collectors in resolving complicated issues. Formulate and execute strategies to achieve the department's budget and target. Participate in implementing all cost saving initiatives within the department Responsible to reduce ECL for all stages from MIA 1 to IL accounts. Responsible to reduce flow rate of each Pre-Impaired bucket, and delinquency rate Responsible to reduce new written off accounts on monthly basis Customer (Internal And/Or External) To ensure the collector adhere to the call quality requirement. To adhere to compliance and resolution Turn Around Time (TAT). Maintain and develop corporate image and reputation through customer experience Process/Well-Manage Ensure a smooth running of day-to-day operation which involves work force management and best time to call to facilitate the completion of accounts worked. Process improvement projects and other management directives including communications and awareness of corporate direction, mission, aims and objectives. Monitor and provide team performance run rate. To review top accounts on monthly basis. To assist, support system enhancement which may involve UAT testing and/ or perform any adhoc task / assignment given by Management. To manage team attrition rate. Compliance To support and ensure control and compliance in place, at the same time ensure achieved satisfactory audit rating. To ensure team members are in compliance with bank internal policy at all times. To ensure compliance of internal policy & procedures, Bank Negara guidelines and regulation, i.e. FSA/IFSA 2013, Fair Debts Collections and etc. Learning & Growth Plan trainings and development for staffs’ career progression. Coaching and mentoring of collectors in order to drive the intended monthly ,quarterly and annual targets. Recruit and fill up vacancy of the team. Job Requirements Diploma / Degree in Banking and Finance or related fields. SPM/ STPM with minimum 5 - 10 years working experience in related field. Professional Credit Certification With minimum 5 - 10 years in supervisory roles