Unit Manager - Recovery

About the role

The Unit Manager-Recovery leads and oversees the recovery of delinquent and overdue loans to minimize financial risk and losses for the institution. The role covers recovery strategy, team leadership, case handling, compliance and reporting.

Key responsibilities

• Develop and implement recovery strategies for delinquent and overdue loans, analyze loan portfolios to identify high-risk accounts and collaborate with other departments to optimize recovery workflows.
• Supervise, train and coach a team of recovery officers and agents, set performance targets and monitor results.
• Negotiate repayment solutions with customers, follow up on repayment plans and handle escalated or complex cases, including settlements, rescheduling or legal action.
• Ensure compliance with laws, regulations and internal policies, keep accurate records and work with the risk management unit.
• Prepare performance reports with KPIs and recovery rates, collaborate with legal counsel on accounts needing legal intervention and represent the company in recovery-related legal proceedings.
• Recommend improvements to policies and processes to reduce loan defaults, and perform other tasks assigned by the Head of Loan Recovery.

Required profile

• Bachelor's degree in Banking & Finance, Business Administration or a related field.
• At least 3 years of supervisory or managerial experience in loan recovery, collections or related fields.
• Solid understanding of court procedures and legal recovery processes.
• Strong written and spoken Khmer and English, integrity, honesty, patience and ability to work under pressure.
• Valid vehicle driving license.

Required skills

• Managerial skills in planning, leading, controlling, analyzing and decision-making.
• Proficiency in Microsoft Excel and ability to produce analytical recovery reports.