dfcu Bank is a fast-growing Bank in Uganda offering a wide range of financial solutions to its chosen market segments. We are seeking to recruit for the vacancy of Regional Collections Executives- Eastern, Northern and Western regions in the Executive (CEO) Domain. Details are as below:

REPORTING TO: Manager- Collections

JOB PURPOSE: Reporting to the Manager- Collections, the role holder will maintain, monitor, and collect CB and BB loan portfolio of accounts aged between 0 to 180 days past due. Maximising cash collections, regular follow up on all loan repayments, come up with  different strategies of managing the customers in the assigned region and ensuring optimal performance of facilities and customer retention thereby minimising accounts flow to NPA – Doubful status and loss to the bank.

LOCATION: Eastern, Northern and Western regions respectively

KEY ACCOUNTABILITIES:

• Manage WATCH, NPA & PAR ratios per agreed parameters.
• Special Assets representative in the assigned region tasked with reducing/minimizing delinquent accounts per agreed performance standards.
• Follow up with customers to ensure that payments are made as and when they fall due and chases for payments that are overdue between 0 – 180 days.
• Conduct field visits and make collection calls.
• Analyze regional performance and provide feedback and guidance to impact results.
• Preparing and presenting monthly,quarterly and annual reports of portfolio performance.
• Being the primary source of contact for all scheme related issues in their respective regions.
• Develop repayment schedules and restructures with the help of the Manager Collections based Resolve and provide customer service regarding loan related matters specifically collection issues; communicate and follow up effectively with customer queries, disputes etc.
• Process customer instructions within set TAT guidelines.
• Issue repayment reminders and /or demand notices.
• Collaborate with the Manager Collections and recommend accounts that require tougher action.
• Enlist the support of the Manager Collections to resolve more complicated loan matters and identify root causes of non-payment.
• Propose, review restructures before submission to Manager Collections, for recommendation, to ensure that they make business sense and that the appropriate & adequate risk reward is achieved.
• Recommend accounts to be outsourced to our external debt collectors before they become Non Performing.
• Support Regional External Debt Collectors.
• Joint cordination with the Regional Debt Collectors to enforce collections.
• Support respective regional branches in managing Collections
• Support collections for all PBB products, field visits, firmer action at regional level.
• Attend portfolio quality meetings of the respective regions, support and advise on collection action/direction.

QUALIFICATIONS, EXPERIENCE AND COMPETENCIES REQUIRED:

• Bachelor’s Degree in Economics, Statistics, Commerce, Business Administration or equivalent.
• 2 years Basic credit understanding.
• High level of customer service.
• Very good telephone techniques.
• Excellent verbal and written communication skills. Good grammar is an added advantage.
• Strong analytical and problem-solving skills.
• Ability to multi task and work efficiently under pressure.
• Good negotiation skills.
• Tactful and calm.
• Assertive.
• Organized.
• Thorough understanding of the Bank’s Credit including SAM policies and procedures.
• Willingness to travel extensively and to work long hours where required to achieve the Bank’s objectives.
• General Understanding of bank products, policies, controls, and procedures among others.
• General understanding of business, financial and accounting fields.
• Excellent verbal and written communication skills.
• Proficiency in the use of Word and Excel. Power Point
• Time management.
• Exercising high level of integrity.