Officer, Collections
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Key skills for this role
About the Role
First Abu Dhabi Bank seeks a Collections Officer to follow up on overdue accounts, ensure resolution, and maintain compliance with CPR and AML regulations. The role requires 3+ years of mortgage collections experience in UAE, strong communication and negotiation skills, and dialer experience.
Key Skills for This Role
Responsibilities
- Follow up on all allocated overdue accounts and ensure resolution as per the target assigned (monthly)
- Ensure detailed review of the case given the long tenure relationship with customers
- Ensure full history of current RM and previous interactions are reviewed prior to a call including review of any past remedial / legal actions and current status
- Ensure if rental product then BSA and TCR to be reviewed for rental status
- Interact with customer in compliance to CPR to ascertain reasons for delinquency
- Ensure that the individual targets based on both Efficiency and Productivity parameters are met on a monthly basis
- Obtain detailed information about the overdue customers and the same is documented on collection system for future trails on the account
- Ensure that the collection process is carried out within the framework of code of conduct and keeping in mind the reputation of the bank
- Any high risks to be flagged off to respective managers for accelerated actions
- Evaluate all viable options post discussion with customer to stem flow to next overdue status
- Ensure compliance with local legal and regulatory requirements and report any legal and regulatory developments which impact or may impact the collection activities / legal actions
Requirements
- Follow up on all allocated overdue accounts and ensure resolution as per the target assigned (monthly)
- Ensure detailed review of the case given the long tenure relationship with customers
- Ensure full history of current RM and previous interactions are reviewed prior to a call including review of any past remedial / legal actions and current status
- Ensure if rental product then BSA and TCR to be reviewed for rental status
- Interact with customer in compliance to CPR to ascertain reasons for delinquency
- Ensure that the individual targets based on both Efficiency and Productivity parameters are met on a monthly basis
- Obtain detailed information about the overdue customers and the same is documented on collection system for future trails on the account
- Ensure that the collection process is carried out within the framework of code of conduct and keeping in mind the reputation of the bank
- Any high risks to be flagged off to respective managers for accelerated actions
- Evaluate all viable options post discussion with customer to stem flow to next overdue status
- Ensure compliance with local legal and regulatory requirements and report any legal and regulatory developments which impact or may impact the collection activities / legal actions
- KYC (Know Your Customer)
Full Job Posting
Collection Activities
- Follow up on all allocated overdue accounts and ensure resolution as per the target assigned (monthly).
- Ensure detailed review of the case given the long tenure relationship with customers
- Ensure full history of current RM and previous interactions are are reviewed prior to a call including review of any past remedial / legal actions and current status.
- Ensure if rental product then BSA and TCR to be reviewed for rental status.
- Interact with customer in compliance to CPR to ascertain reasons for delinquency
- Ensure that the individual targets based on both Efficiency and Productivity parameters are met on a monthly basis
- Obtain detailed information about the overdue customers and the same is documented on collection system for future trails on the account.
- Ensure that the collection process is carried out within the framework of code of conduct and keeping in mind the reputation of the bank
- Any other customer follow up action as required by the Bank from time to time.
- Any high risks to be flagged off to respective managers for accelerated actions.
- Evaluate all viable options post discussion with customer to stem flow to next overdue status.
- Ensure compliance with local legal and regulatory requirements and report any legal and regulatory developments which impact or may impact the collection activities / legal actions.
Qualification Required
- Bachelor's Degree
- Minimum of 3+ years collections experience in mortgage collections in UAE
- Awareness of the legal options and remedial options
Skills set required
- Excellent Communication skills
- Basic banking knowledge
- Strong negotiation skills
- Good computer skills
- Dialer experience
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