Job purpose
To perform collections functions focusing on minimising the forward roll rate of potential non-performing loans and increasing recoveries on the non-performing loans, with the emphasis on customer retention, education, and rehabilitation, through effective and efficient collections skills.
To handle customer enquiries and requests across all mediums (i.e., phone, e-mail, WhatsApp, Interactive SMSs, Chat etc.) accurately and within agreed service times and quality standards
To initiate customer collections engagements through available channels as listed above
Key Responsibilities
DELIVER WORK QUALITY STANDARDS
Provide efficient, professional, and quality service to customers aligned to customer centric values
Maintains a conversational flowing during calls.
Proactively educates the customer about self-service options and appropriate self-service channels
Owning the call to provide a solution to the customer’s needs and reducing unnecessary transfers/handoffs
Compliance with Statutory, regulatory, and business requirements, to protect the reputation of the group and to avoid legal action / sanction in respect of regulatory compliance matters.
Telephonic Collections on arrear accounts with the intention to obtain a realistic ‘Promise To Pay’ arrangement for the required amount due.
Refer customer requests to the relevant admin department for actioning.
Maintain high call activity at agreed levels.
Confirm / Update customer records.
Refer accounts to trace when no contact can be made.
Provide efficient and quality service to customers.
Comply with product specific policies and procedures.
RISK AND CONDUCT
Adheres to shift scheduling & Average Handling Times aligned to business unit benchmarks and Targets
Achieves daily and weekly targets, by operating in an effective yet productive manner, through optimal usage of average handling time
Risk and Compliance:
Follow the relevant procedures, work instructions and business requirements
Disclose all relevant compliance requirements to the customer
Adheres to all relevant verification policies and procedure
Knowledge: Accurate and relevant products’ Knowledge and systems knowledge
Professionalism: Promotes and reinforces the image, brand, services, and products of Stanbic Bank at all times
Ownership: Owning the call to provide a solution to the customer’s needs and reducing unnecessary transfers/handoffs
Helpfulness and value: Ensure that on every interaction, prescribed call handling techniques are followed, and that the customer is left with a positive experience
Emotion: Demonstrates a professional, respectful, and positive attitude towards the customer and colleagues by using the appropriate language and tone.
Completion of all compliance training in liaison with the Team Leader.
Qualifications
Minimum Qualifications
Field of Study: Business related degree; Commerce, Finance, Business Management
Experience Required
Risk & Corporate Affairs
Credit Risk-BCC
Experience Required:
2 – 3 Years collections experience, preferably in the Credit or Collections environment. Call Centre experience an advantage.
Competencies:
Personal
Delivery Orientation
Resilience and drive
Integrity
Adaptability
Stress Management
Innovation and Resourcefulness
Problem Solving
Conceptual Thinking
Emotional Intelligence
Interpersonal
Communication
Customer Focus
Team Orientation
Decision Making
Telephone Communication
Negotiating Skills
Assertiveness
Conflict Management
Apply via :
www.standardbank.com
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