Key Responsibilities

Portfolio Monitoring & Control

• Monitor delinquency trends across all buckets (X/0–30 DPD, 31–89 DPD, 90+ DPD), including written-off and BL portfolios.
• Design and implement early warning systems to identify high-risk accounts and prevent roll-forward deterioration.
• Analyze roll rates, vintage performance, and charge-off trends to support proactive decision-making.

Collections Strategy & Execution

• Develop and execute end-to-end collection and recovery strategies covering tele-collections, field collections, and specialized recovery units.
• Oversee Unit Managers and the entire Collection & Recovery team to ensure productivity, efficiency, and ethical conduct.
• Optimize allocation strategies, segmentation models, and treatment paths to maximize recovery.

Legal Recovery & External Liaison

• Coordinate with internal Legal teams and external law firms/collection agencies for case filing, follow-up, settlement, and recovery.
• Monitor legal recovery performance and ensure timely resolution of cases.

Compliance, Governance & Customer Protection

• Ensure full compliance with Bangladesh Bank regulations, CIB reporting requirements, and fair debt collection practices.
• Uphold strict standards on data privacy, customer protection, and ethical collections.
• Support internal and regulatory audits with accurate documentation and reporting.

MIS, Analytics & Reporting

• Prepare and present daily, weekly, and monthly MIS on delinquency movement, recovery performance, efficiency ratios, and portfolio health.
• Provide actionable insights to senior management for strategic decision-making.

Leadership & People Management

• Build, lead, and mentor a high-performing collections team aligned with organizational values.
• Set KPIs, track performance, conduct reviews, and drive continuous capability development.
• Foster a culture of accountability, discipline, and results orientation.