To recover non-performing portfolio Retail, business owners and overdraft banking borrowers assigned to the position.
To call, follow up, and chasing delinquent Customers directly and through branches, to remind them, and arrange their monthly payments, and update customer\'s records.
To file and release Criminal cases against un-cooperative customers after obtaining approval from Head of Remedial Management.

To liaise with CID to pressurize the delinquent customers for repayment.

Key Accountabilities

To reduce the Retail, business owner & overdraft non-performing portfolio by recovering amounts due to the bank, and keeping the DPD 1-30,31-60,61-90 DPD and so on at the lowest level and prevent those to moving to other buckets.

This includes reducing the number of non-performing accounts as well as amount of non-performing portfolio as per the approved Balanced Scorecard for the Department.

To file and release Criminal cases against borrowers and drawers, to locate the customer whereabouts and visit them, or to enquire about their new work places/employers.

To ensure that all non-performing borrowers assigned to the position are closely and regularly followed and monitored. This includes accounts that may have been written-off.

Providing his/her feed back to the concern supervisor.
Preparing proper MIS.

Other Accountabilities

Other Accountabilities

Job Context

The aim is to make contact, meet and negotiate repayment terms with Retail non-performing borrowers to reduce the overall non-performing portfolio. Ensure that DPD 1-30, 31-60, 61-90 DPD and so on remain at the lowest and minimal migration to other buckets.

Initiate and follow on police cases filed for tangible results including chasing other banks for reports required by the police / CID / Interpol.

Education

High School or preferably a college graduate

Experience and Skills

Work Experience

Minimum 4-5 year of banking experience in recovery and collections preferably in UAE.

Behavioural Competencies

Working and collaborating with others - Basic

Results Orientation - Basic

Evaluating and Solving Challenges - Basic

Change and Innovation - Basic

Communication - Basic

Technical Competencies

Credit Evaluation and Analysis -Credit -Basic

Verification and Structuring-Credit-Basic

Control and Monitoring- Credit- Basic

Accounting and Financial Analysis-Credit-Basic

Credit Policies and Compliance-Credit-Proficient

Recovery Strategy and Management- Credit-Proficient

NPL Portfolio Management- Credit-Basic

Legal Knowledge-Credit-Basic

National Bank of Fujairah