Collections Department Manager
Bank Of Jordan
Total des années d'expérience :26 years, 7 Mois
Reported to the Chief Executive Officer (CEO) and Board Risk Committee and supervised a team of three.
Establish procedures for monitoring, maintaining and updating risk policies and guidelines in line with business growth.
Establish a proactive and consistent strong risk oversight and management with an approach that key risks are communicated regularly and consistently at management meetings.
Implement a framework that allows for proper understanding and control of all risks - Operational Risk, Credit Risk and Financial Risk.
Identifying potential or actual exposures mitigating such exposures (risk appetite and risk tolerance).
Design the company’s annual and long-term risk strategy and its regular reporting to the CEO, Executive Management and Board Risk Committee.
Implement credit-scoring system based on behavioral and analytical models.
Implement disaster recovery site from all aspects of locations, equipment, policies and procedures and testing.
Voting member of the credit committee for Micro/Small finance.
Reported to the Chief Operation Officer (COO).
Developing and implementing standard policies and procedures.
Perform regular audits to all units to identify any gaps and set the needed action plan.
Continuous system improvements and improve process efficiency.
Handling/Investigating customer complaints and ensure they are solved in timely manner
Ensure all the external/internal customers are following the agreed SLAs
Implementing End to End process with all the needed process flow charts
Ensure that EMPJ is complying with regulatory cards schemes standards
Reported to the General Manager and supervised a team of 15.
Mentored a team of Credit Analysts, Senior Analysts, and Credit Manager to analyze and process Credit Application for financing “NBK” Products.
Supervised a team of Collectors, Supervisors, and Field Collectors to reduce negligence and to ensure portfolio quality enhancement.
Ensured close monitoring over Systems Utilized, and acted as a Key Player in developing and enhancing the systems consistently.
Arranged financing for Products including Vehicles Finance (Consumer, SME, and Corporate), Heavy Equipment, Rentals, Leasing, Buyback Guaranteed Options, and Balloon Payment Options.
Managing a team of collectors, supervisors and field collectors to reduce the delinquency and enhance the quality of the bank’s portfolio in various products i.e. Personal Loans, Auto Loans, Mortgages and Credit Cards.
Preparing the provision figures for bank’s balance sheet and formal Central Bank required reports.
Daily monitoring and MIS packs to track staff performance and portfolio deterioration or enhancement.
Liaise with Remedial and Legal departments for follow up on stuck up cases and legal actions to be taken.
Monitoring and preparing portfolio performance packages including provision, delinquency, growth, etc
Preparing executive summary and ADHOC reports for top management
Identify risks including credit risk and operational issues in light of vintage analysis and communicate to management any early warning/ alarming signals in regards to portfolio performance
Ensure the integrity and quality of data and data analysis
Analyze and review product programs packages, to ensure prompt renewal of the program, portfolio cap and any other credit amendment
Recommend changes to collection module, process, system or policies to regional collection management to enhance delinquency figures
Monitoring and preparing portfolio performance packages including provision, delinquency, growth, etc
Preparing executive summary and ADHOC reports for top management
Identify risks including credit risk and operational issues in light of vintage analysis and communicate to management any early warning/ alarming signals in regards to portfolio performance
Ensure the integrity and quality of data and data analysis
Analyze and review product programs packages, to ensure prompt renewal of the program, portfolio cap and any other credit amendment
Recommend changes to collection module, process, system or policies to regional collection management to enhance delinquency figures
Revamping and formalizing all Arab Bank credit policies for: Jordan, UAE, Qatar, Bahrain, Yemen, Palestine, Egypt
Periodic review of all products in terms of pricing, peak outstanding
Implementation of all Central Bank regulations in each country as per Basel II requirements and incorporate the changes in the policies
Set up a mechanism for deviation tracking and collection follow up
Initiate and launch new products in several countries i.e. Platinum Credit Card in UAE, Jordan & Egypt. Education Loan in Jordan & Egypt. Smart Loan in UAE & Qatar. Start up Loan in Jordan
Working for segmented products and services for different Mass Retail segments i.e. children, youth, starters, elderly in addition to special products for Affluent and Private Banking segments
Review and follow up all audit reports and initiate internal audit from time to time in regards to credit and collection process
Produce meaningful MIS and presentations to the CEO and calculate the provision requirements as per Central Bank rules as well as proposing the write off cases at year end
Managing a team of evaluators to analyze and process credit applications pertaining to Credit Cards, Auto Loans
Act as the first escalation level, review and furnish credit decisions
Ensure policy awareness amongst all staff, regulation of approvals within the product parameters with adherence to the SLA
Identify and propose new changes to the credit policy parameters which leads to process improvement and reduce the bank risk
Best team award amongst all credit teams (Auto Loan)
Analyze and process credit applications pertaining to Credit Cards, Auto Loans and Personal Loans
Act as the direct sales contact point for all credit approval issues or concerns
Work closely with Marketing/ Operations/ IT for smooth implementation of any new product or policy amendments
MIS preparation, weekly and monthly unit performance reports
Best achievement award amongst all unit (Credit Initiation & Compliance)
Customer service over the phone, to achieve maximum customer loyalty and solve their problems to achieve maximum satisfaction
converted sales opportunities in order to achieve financial targets
Capture and report customer feedback towards continual enhancement of our products, services and process
Awarded several times by higher management for best sales, customer service, loyalty
BANK MASTER and BRANCH POWER system operator
SWIFT system operator (Society for Worldwide Interbank Financial Telecom)
Network troubleshooting and maintenance using UNIX & NOVELL