Collection Manager

Job description / Role

Job Description

- Portfolio calibration to identify high-risk accounts.
- Segregate delinquent accounts to identify the allocation strategy to in-house and outsource teams.
- Setting collection monthly targets in terms of NPL and provisions according to year plan and seasonality.
- Leading the consumer finance business through portfolio analyses to see performance and identify the pain areas, then take the proper actions.
- Review call monitoring made by tele-calling team to enhance quality.
- Review daily productivity for in-house team and outsource agencies.
- Conduct coaching sessions for low-performance collectors.
- Review feedback for all delinquent customers to forecast month-end closing.
- Review customer requests such as clearance letters and liability letters.
- Review all collection complaints to take the proper corrective action.
- Manage the legal actions process end to end.
- Review internal and external expenses and ensure abiding by planned numbers.
- Written-off accounts hitting more than 18 months according to FRA policy.
- Manage the blocking and unblocking process for overdue credit limits.
- Finalize I-Score disputes through I-Score system.
- Provide risk head with full evaluation for credit programs and policy from a collection perspective.
- Review and amend collection policy, manual, and process when needed based on best practice.
- This role requires developing a strategic plan to achieve collection targets with strict deadlines.

Skills

Interpersonal Skills:
- Data oriented.
- Excellent interpersonal skills.
- Strong negotiation skills.
- Excellent communication skills.
- Strong leadership skills.
- Strategic thinking.

Technical Skills:
- Data analysis and reports.
- Excellent executive presentation skills.
- Market and trend research.
- Customer life cycle management.

About the Company

Raya Holding for Financial Investments, a leading investment conglomerate, established in 1999 in Egypt with a vision to be a market leader and to grow into a solid financial conglomerate with multifaceted operations.

Headquarter located in Cairo, Egypt; Raya Holding is managing a diversified investment portfolio of 13 lines of business in the various industries of e-payment, information technology, contact center, smart buildings, consumer electronics, food and beverage, land transport, PET remanufacturing, automotive, FMCG and home appliances

Raya Holding is listed in the Egyptian Exchange (EGX) since 2005, while the company empowers more than 12,000 proficient employees, accommodating to a wide international customer base from offices based in Egypt, Saudi Arabia, UAE, Qatar, Poland, Nigeria and Tanzania.

Raya's Lines of Business include; Aman for e-payments, Aman for Financial Services, BariQ, Ostool, Raya Contact Center, Raya Foods, Raya Information Technology, Raya Food Trading, Raya Restaurants, Raya Smart Buildings, Raya Trade, Raya Auto and Haier - Raya Electric.