Senior Executive, Consumer Rehabilitation

Job Description

JOB TITLE

Senior Executive – Rehab (R&R and AKPK)

Grade: I

NAME

REPORTING RELATIONSHIP

JOB TITLE

FOR

3.1

REPORTS DIRECT TO

Assistant Vice President, Collections Litigation & Recoveries

or

Assigned Supervisor whichever applicable as indicated in HRMS reporting line matrix or as instructed in the transition

All matters as described herein in accordance to directions formalize in Collection Manual and work directions given from time to time

3.2

REPORTS INDIRECTLY TO

Head, Collections Litigation & Recoveries

As above

3.3

DIRECT REPORTS

Nil

-do-

3.4

INDIRECT REPORTS

Nil

-do-

4

Job Purpose

• To review and to process R&R cases submission and in accordance to the R&R policies, R&R program and related regulatory requirements.
• To ensure Bank and regulatory policies and guidelines are being adhered to at all times.
• To work with the respective Team Lead to resolve issues raised by bank customers.
• To ensure factual correctness and accuracy of all outward deliverables.
• To ensure daily administrative are completed on a timely manner
• To document and file all workings accordingly.
  
  

5

Key Responsibilities

• Rehab related matters
• To review and to process R&R cases within TAT (submission to approval).
• To ensure adherence to the R&R policies, R&R program and regulatory requirements during Rehab processing.
• To ensure all information and data provided during review are factual and in accordance to the submission provided.
• To validate all information and data prior in documents preparation.
• To ensure all Shariah requirements are met during review process including documentations.
• Administrative Task
• To prepare and ensure all paper works on memo/recommendation/letters are prepared in a timely manner.
• To ensure all documents related to work assignment are filed and secured.
• To follow through approvals based on related Approval Authority.
• To maintain a user friendly filing and documents control for recording and tracking purposes.
• To assist in providing data for the team internal analysis and monitoring.
• To perform research duties as and when required in related to the task assigned.
• To assist any ad-hoc tasks as required by the Unit.
• To ensure data accuracy in preparation of all memo/recommendation/letters.
• Compliance
• To ensure all memo/recommendation/letters are processed in accordance to the approved policies and guidelines as stated in Unit Standard Operating Procedures (SOP).
• To observe mandatory policy guidelines e.g AMLA, Connected Party, Secrecy Act.
• To provide sufficient support to internal and external audits and Control Self Assessment from time to time.
• Any other policy and guidelines deem required from time to time.
• Other Duties
• Any other adhoc matters assigned from time to time.
  
  

INTERNAL

• Collectors - provide assistance and suggestion / recommendation to resolve customer issues.
• Information Technology personnel – liaise with the IS personnel to ensure system is properly set-up for any anomalies.
• Management Information system personnel - liaise with MIS team to ensure specific / adhoc reports are generated for management decision making.
• Internal Audit - provide contact point for audit on enquiries pertaining to credit risk.
• Legal and Compliance division – to seek clarification on matters that may involves legal and reputation risks.
  
  

EXTERNAL

• External Auditors - to provide information and explanations on credit risk as and when required.
  
  

6

KEY RESULT AREAS

OPERATIONAL HEALTH

• Observe and comply with all local policy and process requirement
• Identify deficiencies and rectify in good time to ensure an overall rating 3 or better
  
  

QUALITY

• Ensure all TATs are met.
  
  

ORGANISATIONAL HEALTH

• Continuously manage human resources quality, competency and capabilities to ensure high level of performance.
  
  

7

KEY RELATIONSHIP

Internal Contacts

All Bank Staff

External Contacts

System Administrators

External Auditors

Vendors

AKPK

BNM

Nature of Purpose

For uniform collection strategies and procedures

For feedback and resolving customer issues

Credit information and feedback on collections

To provide feedback and relevant information relating to customer accounts and information to relevant parties.

To provide relevant information/data relating to legal proceedings for successful completion of audit exercise.

System matters

8

CONTRIBUTES TO

• Internal Process improvement
• Administration support to various collection activities
  
  

9

AUTHORITIES

• As per approving authorities delegated by the management.
  
  

10

FOR GRADING PROCESS

Target as assigned from time to time.

• Experience / Knowledge required
  
  

Skills

• Presentation & Communications
• Computer
• Ability to be creative, unyielding and patient.
• Microsoft Office
  
  

Knowledge

• Collections skill & practices
• Complexity / Judgement
  
  

The ability to exercise good judgment and innovative skills are material ingredients of the job. Good judgment is required as a matter of routine during discussion with customers and team members to formulate an agreeable on recovery plans while ensuring that the Bank's interests are protected.

• Freedom of decision making
  
  

Decide on handling daily BAU matters and customer enquiries.

APPROVAL PROCESS

SIGNED

DATE

JOB HOLDER

IMMEDATE SUPERIOR

DEPT HEAD