Collection Agent

Job Summary

Manage the filing of civil and criminal lawsuits against defaulters, compile management information regarding legal statuses, and ensure all necessary documentation is provided to the legal department to assist in legal proceedings. Adhere strictly to prescribed collection processes when contacting delinquent customers.

Key Responsibilities

• Prepare comprehensive checklists and print statements for all legal cases (both criminal and civil), and forward complete documentation to the Legal Department.
• Maintain and distribute comprehensive records for all legal cases submitted to the Legal Department.
• Handle miscellaneous legal process tasks including follow-ups with the legal team, retrieving cheques for criminal cases, ensuring court cases are executed, managing held or cancelled cases, and maintaining updates in the credit and risk database system (CRDB).
• Timely contact with assigned defaulted customers and update the collection system with actions taken on each case.
• Address customer queries regarding defaults, recommend suitable collection methods, and develop recovery strategies. Obtain payment commitments and monitor follow-ups on missed payments.
• Arrange account blocks for defaulters and guarantors to recover outstanding amounts.
• Early detection of problematic cases and initiate appropriate collection measures to ensure prompt recovery.
• Coordinate with branches and account officers to facilitate recoveries.
• Liaise with employers regarding defaulters who are employees, follow up on end-of-service benefits for those who resign or are terminated.
• Identify skip cases early, initiate tracing activities, and execute remedial actions.
• File insurance claims appropriately in cases of death or employment loss.
• Block accounts where there is no salary transfer or loss of employment.
• Meet set daily call targets.
• Ensure timely debit of customer accounts to cover overdue payments.
• Provide timely feedback on company performance to prevent further losses.
• Perform other duties as assigned by supervisors.
• Achieve monthly collection targets in line with KPIs.

Education and Training

• University degree required.
• Certificate of training in related field preferred.

Experience and Language Requirements

• Preferably proficient in Arabic language.
• Proficient in English language.
• One to three years' experience in a related field.