Head – MSME Credit Quality, Collections and Recoveries Job Co-operative Bank

Responsibilities

• Identification and scaling up NPL collection initiatives to the branch network.
• Ensure we have statutory notices tracker, and all stakeholders are accessing daily reports.
• Ensuring adherence to collection and follow up policies for both PAR and NPL Portfolio.
• Confirm that all the statutory notices for cases under Business Bankers are issued as scheduled.
• Ensure all the demand notices that were not automatically sent to customers are delivered to customers and e-collect updated.
• Manage the tracker of all the legal cases, & of all cases awaiting insurance & credit guarantee claims.
• Follow up all the cases that are under marketing and ensure branches are part of the marketing channel for a wider visibility.
• Ensuring all non-performing accounts are vigorously pursued for appropriate curing solution.
• Liaising with Collection team and Business Bankers in ensuring PAR reduction by use of the collection tools.
• Maintaining and evaluating quality of loans to ensure compliance with Lending guidelines.
• Champion NPL reduction problem solving sessions with the various stakeholders.
• Monitor all restructured NPL accounts and ensure they are performing.
• Ensure increased usage of remedial solutions to cure NPL book.
• Ensure all loans have a relationship officer at all times.
• Confirm ARO Codes are changed incase a banker is transferred.
• Confirm the status of all the security documents and their location for all the cases under NPL.
• Monitor the portfolio performance and ensure there is no income leakage.
• Ensure all diaries and covenants under NPL customers are closed as scheduled.
• Follow up claims for all the NPL customers who are included in the various guarantee schemes and insurance programs
• Analyze the data and pick out any exceptions eg customers with two working capitals under the same memo groups for further investigations.
• Ensure we have competitive advantage in initiating policy changes backed with data driven insights.
• Facilitate training of Business Bankers about NPL management and importance of loan monitoring.
• Ensure credit facilities are well managed even when a banker is on long/maternity leave.
• Closely monitor overdrawn accounts under NPL and focus the bankers to engage these customer inorder to normalize operation.
• Ensure all NPL customers are in the right segment/branch/relationship officer for efficient relationship management
• Liase with property hub team and ensure there is visibility of all cases they are managing to the branch network.
• Ensure NPL model is used while restructuring eligible NPL cases as per policy.
• Collaborate with the various product houses eg Trade Finance,Mortgage,Asset Finance in following up their NPL cases in the
• warroom and while scaling up NPL reduction initiatives.
• Champion the upgrade of NPL accounts and control downgrades.

Read>>>>6 Key Questions Your CV Should Answer Before You Hit Send

Qualifications, Skills & Attributes

• Must have a university degree in a relevant field. AKIB/ACIB would be an added advantage.
• At least 8 years’ experience in general banking or in a financial institution; 3 of which are in a lending function.
• Risk anchored understanding/experience of Credit Management Goals, credit policy and NPL/PAR reduction
• Business understanding of Branch or Banker level relationship management
• A detailed knowledge of the all industry trends and practices locally and internationally.
• A good knowledge of the Bank’s products & services
• A general awareness of the Bank’s Credit Policy
• A good awareness of the Bank’s vision and focus especially in relation to MSME’s

Read>>>>7 Questions to Always Expect in a Job Interview

How To Apply

Click here to apply

Join our WhatsApp channel here for the latest job postings and career tips