Team Manager Personal Loan

Job Description

• To effectively monitor and review portfolio allocated to collections agencies so as to ensure successful Recoveries with the objective of minimizing Net Credit Loss.
Processes
• Negotiate & collect overdues from customers where required
• Exercise adequate control over Agency performance in terms of
• Recruitment & training of field collectors
• Managing agency and field collector productivity
• Capacity Planning
• Managing agency performance in terms of resolution - both front-end and net resolution
• Training on Code of Conduct and Compliance requirements
• Ensure proper documentation of Collection related activities and updating of CACS
• Timely assignment of Collection cases to Agencies
• Conduct periodic Collection Agency Audit
• Ensure legal recourse and follow up on delinquent accounts where applicable
• Ensure closure of complaints in timely manner
Risk Management
• Monitor all major risk issues and concentrations. Where appropriate, direct remedial action and/or ensure adequate reporting to Risk Committees
Governance
• Promote an environment where compliance with internal control functions and the external regulatory framework is a central priority of the business
• Ensure full awareness of all the policies and procedures issued in relation to money laundering prevention. He / she must ensure compliance with these policies and procedures on an ongoing basis.
• Awareness and understanding of the regulatory framework, in which the Group operates, and the regulatory requirements and expectations relevant to the role.
Regulatory & Business Conduct
• Display exemplary conduct and live by the Group s Values and Code of Conduct.
• Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
• Lead to achieve the outcomes set out in the Bank s Conduct Principles
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
• Exercise authorities delegated by the Board of Directors and act in accordance with Articles of Association
Key Stakeholders Internal
• Policy Team
• Credit Initiation / Credit Operations
External
• Auditors: For Audit and Reviews
• Regulators: Inspection and Regulatory requirements
• Service Providers
Other Responsibilities The Job holder must ensure he/ she is fully aware of all the policies and procedures issued in relation to money laundering prevention. He / she must ensure compliance with these policies and procedures on an ongoing basis. Any suspicious transaction must immediately be reported to the supervising officer and must be responsible for overall awareness, adherence and implementation of the Group AML Standards and Country KYC policies. Establishing a culture and systems and controls to ensure that the businesses operate according to higher standards of regulatory and compliance practices as defined by requirements including local banking laws and anti-money laundering guidelines as part of developing a culture of good compliance Role Specific Technical Competencies
• Manage Conduct
• Manage Risk
• Manage People
• Business Market Knowledge
• Business Products and Processes
Qualification
• Graduate/Post-Graduate with 2-3 years of experience with a minimum of 2 years of relevant experience
• Experience in Monitoring / Controlling Collection Activities/Negotiations with Delinquent cardholders / Agencies Monitoring
• Calls for expert knowledge of Delinquency Trends, Market understanding, Collection Techniques and agency management in various products.
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Keyskills :
agency managementsalesslalife insurancecustomer relations