·Managing Classified loan portfolio through persuasion & Negotiation with defaulter customer (one to one or group meeting).·Undertaking regular and frequent calls, initiating demand and reminding letters to all defaulting customers, visit and progress reporting.·Reviewing all credit files for proper documentation and monitoring , preparation and recommendation of strategies for recoveries and follow-ups to implement those remedial strategies and actions plan·Maintaining liaison with Regulatory bodies, Court officials, Law enforcing agencies to expedite recovery & Collection·Initiating legal procedures against defaulter & following up legal cases /issues with lawyers and courts·Follow up on release of security documents for NPLs which have been fully regularized;

·To monitor the DF BL & BLW of Chattogram Division Branches·Take effective measures for recovery /regularization of NPL and thereby reduce provision· Frequently communicate with branches of Chattogram Division through mail with comparative figures of NPL so that the trend could easily be envisaged.· Visit clients, mortgagors and guarantors offices as well as residences (as and when required) as a part of increasing recovery effort and pressurizing them to pay off the overdue loans on a very urgent basis.· Visit branches of MTB Chattogram Division to monitor their follow up/recovery effort to fill out their lacking to minimize Non-Performing Loans (NPLs)/ Written Off loan and help them when required. On a Daily/ Weekly/ Monthly basis. Almost all our visits are followed by a visit report-that reveals the nearby financial disaster and highlight branches that attract special attention·Take part in meeting with delinquent accounts at branch level and provide details reports for future monitoring and supervision· Liaise with the legal department to remain updated about legal steps we are in,· Provide data (when instructed) for a presentation of slides on NPL/problem/slow moving accounts to Head of SAM Desk, Chattogram & HoCDB.· Preparing, maintaining and updating of robust MIS on NPLs, Rescheduled, Restructured, Written-off, Overdue, SMA, suit status, recovery positions of Chittagong Division Branches and prepared customer-Branch wise synopsis on various defaulted clients.· Any other duties as may be required to be performed as per Supervisor / Management instruction.

• To supervise and monitor the Write Off Recovery team (both live and skipped) with collaboration of the respective Branch.• Will take Write-off account wise corrective measure in collaboration with branches as necessary for effective recovery steps and report to the head of SAMD • To maintain a MIS and registry for the write off loans where all chronological development shall be note down with a view to tracking the performance• To manage and monitor the performance of the team• To monitor and supervise the performance of the TPA• Negotiate with seriously delinquent borrowers and ensure amicable settlement without hampering bank policy• Responsible to handling complain management of Team

• Accountable for ensuring proper and effective field collection actions of team and account s in order to achieve daily, weekly and monthly achievement.• Responsible for team work for expeditiously on all accounts assigned for field collection and updating collection diaries in the collection system by team.• Responsible for recommending pre-emptive actions on unsatisfactory accounts to higher management • Responsible for providing feedback, observation trends and consumer behaviors to Manager and on timely basis • Responsible for escalating any potential varies target to Manager .• Responsible for maintaining the professional image of SCB through compliance with the guidelines specified in the collection Code of Conduct• Accountable for complying with the bank compulsory training curriculum and additional development programmed • Co-ordinate with Credit Operational Risk team on gaps raised related to vendor payouts and reconciliations. • To ensure settlement service standards as applicable to collections processes.

• Exercise adequate control over collector performance in terms of Manage and achieve collector productivity to Benchmark levels through measurement, monitoring and motivation Ensure call monitoring is implemented and Feedback provided to collectors on a daily basis Perform call monitoring • Provide feedback to management on the changes requirement on KPI or on collection process • Timely assignment of Collection cases to Agencies • Ensure service oriented effective Tele-calling • Identification and timely follow up of all Skip cases • Ensure legal recourse and follow up on delinquent accounts where applicable • Assist Fraud Control unit in investigation • Negotiate with seriously delinquent borrowers and obtain repayments to minimize losses