Assistant Manager, Special Assets, tanfeeth, Dubai, UAE

Organization Unit Purpose

To Collect the Outstanding from defaulting Retail HL & OD and SME-OD ENBD customers

 

Job Purpose

Job exists to manage the home loan delinquent pool of 800 Mio , around 550 delinquent accounts monthly from the total portfolio size of AED 9.0 Billion, and to ensure that flow of accounts in delinquency is reduced (by reducing coincident delinquency ratio) and under control.

The unique contributions made by the job holder are:

Reduce the HL front-end delinquency ratio in order to control further delinquency

To monitor high risk/high value current mortgage accounts to take pre-emptive remedial actions & minimize the flow into delinquency.

Supervise & Support all delinquent HL, RCL, Retail OD, ENBD SME OD and EI SME OD accounts.

Manage RCL & OD (Including ENBD SME-OD & EI SME - OD) accounts delinquency pool of 200 Mio, around 4,000 delinquent account monthly, and control the delinquency and to increase the cash collection from recovery portfolio

Increase the cash collection in recoveries portfolio to reduce the provision

Maximize the out of court settlement to reduce the litigation cost and save time

Attending expert meeting (assigned by the court) to obtain favorable judgment to bank

Followed up the Civil case procedures to ensure the sale of distressed units in public auction after getting court orders

Monitor all process pertain to Civil case process, restructuring & rescheduling, PLA filing, Batch debiting, Loan closure, property management, auction process, Write-off and write back process, settlements etc.

Reduced Provision risk (Calculating and verifying monthly provision risk on HL portfolio with GRC) and release losses through controls on the 181+ HL pool.

Interface with both external and internal customer in order to make sure the best practices on all process

 

Job Responsibilities

Key Results

Performance Measures

Main Tasks

 

Productivity Improvement

 

 

 

 

Cash collection Ratio & Delinquency Ratios

 

 

Contribute to organization’s financial performance by achieving financial targets assigned and ensuring that collections / costs are monitored and controlled.

 

 

 

Problem-Resolution:

 

 

 

 

Timeliness &

Staff satisfaction level

 

 

Address and resolve problems of an exceptional nature in order to achieve timely and satisfactory solutions.

Handling complaint calls and resolve amicably to project a professional image of the bank

 

Compliance & Control

 

 

 

QA reports

 

Monitor and implement compliance and control measures in order to protect the interests of the bank.

Monitor the debit batch posting and to be forwarded to Debit team

Control on SME portfolio (Managing write-off and write back process)

Verify the civil case invoices prior billing

 

Continuous Improvement

 

 

 

Results achieved & Accuracy & Customer satisfaction levels

 

Propose procedural improvements based on periodic reviews, in order to enhance service delivery.

Visit Developer’s office and Land department, if required

 

 

Reports/Returns

 

MIS  & Suggestions approved/implemented

Ensure preparation / submission/ dissemination of relevant reports / returns for management information / action.

Present the RCL, ENBD SME-OD & EI SME OD accounts performance to GCD on monthly EAC and Past due meeting.

 

 

Team Supervision

 

 

 

 

 

Unit’s performance & Staff satisfaction level

 

Supervise guide and support activities (Coaching) of members in the team to achieve unit’s objectives.

Relevant training to be arranged for the Team

Setting allocation logic on every month according to the situation

 

 

 

 

Qualifications

 

Person Specification

Specifications

Description of Knowledge / Skill etc.

Education

General

Professional

 

Graduation/Post Graduation

Experiences

(Years & Type)

Industry

Regional

Functional

 

Banking – MNC Banks  -5-8 years

 

Collections and recoveries

Knowledge & Skills

Technical

Managerial

Technical Knowledge, Market and Industry, Organization Policies and communication skills, Effective Communicator.

Experience in Secured Portfolio is desirable

 

 

Behavioral Competencies

Thinking Related

People Related

Self Related

Action Orientation, Analytical Thinking, Decisiveness and Judgement, Information Seeking, Impact & Influence, Inspiring Leadership attributes, Concern for Quality, Personal Organisation skills, working Strategically

 

 

 

 

 

Primary Location: United Arab Emirates-Dubai-Dubai - Nadd Al Shiba, Meydan, Building Q

Job: Recoveries

Organization: ENBD Financial Remediation

Schedule: Regular

Shift: Standard

Job Type: Full-time

 Day Job

Job Posting: Jun 2, 2022, 7:38:23 PM

https://enbd.taleo.net/careersection/tanfeeth_ext/jobdetail.ftl?job=GRP-29931&lang=en

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