• Prepare a personal action plan covering all responsibilities of this position.
• Formulate arrear and write off loan recovery plans for his regional/zone.
• Prepare a contingency plan to prevent and cope with credit risk and other related operational risks to ensure good quality loan portfolios.
• Formulate effective and efficient channels of loan recovery, accessible from the branch offices.
• Coordinate the effective recovery of arrear>30days and write off loans.
• Implement an effective and efficient with some procedure/process that properly addresses in the Credit Manual.
• Manage loan arrear and written-off by undertaking daily to monthly analysis and reporting issues/exceptions/severity to Head of Loan Recovery and Chief Credit Officer.
• Work with RM and BM to define reason behind the non-repayment and to extent prevention strategies.
• Deal with legal proceedings (prepare Complaint file and role as plaintiff to the court).
• Deal with arrear and write-off clients, local authority, and polices in any cases.
• Coordinate/arrange/approve the schedule of Loan Recovery Officer plan request.
• Ensure monthly arrear and write-off loan collection plan has been firmly implemented by Loan Recovery Officers.
• Conduct regularly scheduled field visits as well as surprise visits to ensure the credit manual, policies and procedures are properly implemented and followed by field staff.
• Ensure staff understands the contingency plan and knows how/when to put it in place.
• Analyze delinquent accounts and prepare report on highest risk accounts including recommendations for resolution.
• Prepare report on PAR and write off Collection for daily, weekly, monthly for team and Top Management.
• Analyze key contributing root causes of unsatisfied result for next support actions with concerned people.
• Identify annual training courses on bad debt collection for Loan Recovery Team and/or branch staffs (if need).
• Conduct training on loan default/write-off loan management and collection to ensure that operation staff well understanding and fully implemented.
• Provide leadership and exemplify day-to-day behaviors and attitudes that encourage staff to follow WORRI BANK’s Mission, Core Values and WBC’s ethics.
• Work especially with those responsible for enforcing these policies/processes/procedures.
• Build and maintain strong relationships with staff and managers to ensure open and fluid communication.

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