• Spearhead the development and implementation of a comprehensive collections strategy. • Manage a team of collection professionals, providing ongoing training and support to ensure high performance and compliance with industry regulations. • Utilize advanced analytics and data-driven insights to identify high-risk accounts and prioritize collection efforts, improving efficiency and effectiveness. • Collaborate with cross-functional teams to design and execute customer-centric collection solutions, enhancing customer satisfaction and retention. • Develop and maintain strong relationships with key stakeholders, including clients, regulatory bodies, and external agencies.

Manage a Mortgage default portfolio and minimizing delinquencies and net credit loss to the bank simultaneously ensuring business stability directly impacting the banks’ profits.Implement Collection strategies/ policies and procedures to achieve objectives. Sourcing relevant information/documentation to perform thorough analysis in order to review and negotiate appropriate solutions for both the client and bank including following through with foreclosure and civil cases Liaising with both internal and external stakeholders to find solutions.Regular case reviews with the 3rd party legal representatives.

Managing Collections and Recoveries portfolio across both conventional and Islamic Mortgages including vulnerable customers, pre Litigation and audit functions. Implementing new strategies and improving practices.Completing yearly audit review and ensuring all necessary changes are actioned and followed through. Following through with customers on curing. delinquency

Contacting delinquent customers through various means of communication.Following/adhering to ever changing external/internal policies and procedures.Achieving daily/weekly/monthly and yearly targets.Negotiating/convincing customers and tailoring solutions based on circumstances.