Credit Management Specialist
7 days ago
AVBOB Financial Services is seeking a dedicated Credit and Operations Specialist to lead and manage our Credit and Operations team. The ideal candidate must have strong leadership skills, in-depth knowledge of credit management, and a passion for process improvement.
Job Summary:
This role involves supervising the day-to-day activities of the team, overseeing credit assessments, ensuring compliance with credit policy, managing loan applications, and driving collections efforts.
Duties and Responsibilities:
• Supervise daily activities in loan underwriting, account management, and collections
• Streamline processes and enhance operational efficiencies
• Develop and implement effective debt collection operational plans
• Track performance metrics, identify bottlenecks, and make improvements to systems and processes
• Ensure compliance with company credit policies, manage overdue accounts, and minimize bad debts
• Conduct daily dipstick of disbursed loans to ensure policy compliance
• Monitor customer accounts to ensure timely repayment and adherence to loan schedules
• Collaborate with stakeholders to adapt policies to regulatory changes and market conditions
• Provide internal and external audits with necessary information and implement agreed actions
• Respond to internal and external audit queries
• Lead departmental meetings and provide insights on operational performance
• Assist in implementing system upgrades or automation to enhance efficiency
• Analyze credit data to assess policy effectiveness and recommend changes to improve risk management
• Identify potential risks in the loan portfolio and implement strategies to mitigate them
• Address delinquent accounts and reduce the company's exposure to credit risk
• Prepare monthly Risk Control Self-Assessment reports
Requirements:
The ideal candidate must have strong leadership skills, in-depth knowledge of credit management, and a passion for process improvement. You should be able to work effectively in a fast-paced environment and possess excellent communication and interpersonal skills.
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