Job Outputs: 

• Develop and manage risk regarding debt reviews, debt suspensions , rescheduling, Sequestrations, Admin Orders and Credit Life claims as per NCR and regulatory requirements.
• Implementation of account portfolio management principles and ensure accounts are timeously allocated internally with workload balancing to maximise productivity of agents.
• Identify and stay current on changes in industry regulations and recommend changes to internal policies, procedures, and systems to incorporate new/changed requirements.
• Upgrade and improve on present policy and procedure.
• Network with Debt Counsellors to obtain information required to process / approve / decline applications in accordance with NCR requirements.
• Receive and respond to Debt Counsellors requests, Administrators, Trustees and other third parties.
• Process rescheduling on Credit Ease
• Prepare and analyse productivity reports, identify trends and issues, and provide appropriate status updates to senior management.
• Identify and refer problematic issues to Attorneys and Management in a timely manner to oppose specialised collection matters.
• Management and control of electronic and manual filing systems.
• Development, implementation and maintenance of integrated operational information and documentation.
• Maintain solid relationships with external services providers in line with agreed service levels.
• Where practical attend meetings with external Service providers to ensure the best outcomes is obtained for resolving matters.
• Compile management reports on Debt Reviews, Debt Re-scheduling and Restructuring, Sequestrations, Admin Order and Credit Life Claims.
• Act as owner for the development of applicable system in accordance with business requirements and available resources.
• Manage internal customer service through liaising with Operational Managers.
• Ensure continuous process efficiency and business procedure optimization
• Manage external customer service to external operations (including Debt Counsellors) and other related third parties.
• Team performance is managed.
• Industrial Relations are managed.
• Employees are trained and developed, and succession plans exist.
• Staff Retention.
• Provide input to the department’s budget
• Perform daily and monthly reconciliations on control accounts in the general ledger

Qualifications:

• Grade 12 with Mathematics and Accounting
• Diploma in Credit Management or Debt Collection qualification is an advantage.

Experience:

• 5 years’ operational experience within a banking environment in Credit Control and / or Administration;
• Exposure to and sound understanding of Legal principles.
• 5 years’ management experience within a banking environment in Credit Control and / or Administration; Exposure to and sound understanding of Legal principles debt collection experience

 Knowledge and Skills:

• Relationship management
• Planning skills
• Coping under pressure
• Conflict handling skills
• Problem solving skills
• Code 8 drivers’ license
• Sound knowledge of the applicable debt collection and legal proceed
• Highly organized and detail oriented; ability to work in a fast-paced, deadline-driven environment required.
• People management and development skills
• Computer proficiency with data entry, Microsoft Word, Excel and Outlook required