Regional Manager Debt Portfolio (Fixed - Term 12 months) @ ING Bank

Discover ING Bank Romania

ING believes in a world where everyone has the right to grow and progress in their own way. We express this in our global tagline, “do your thing”. Perhaps more than in any other large company, we extend our belief in the power of autonomy to our own people. But there’s a catch. In return for great freedom, we expect people to do great things for our customers, our stakeholders, and ING at large.

To work here is to be surrounded by people who are energetic, ambitious, friendly and respectful: talented specialists who take the responsibility and autonomy to make great things happen. We stay curious, thrive on change, and seek new and better ways to make it happen. Active in Romania for more than 30 years, ING Bank pioneered and challenged the local banking industry. Technology and innovation are at the core of what we do, making our products relevant for our customers’ lives and businesses.

ING Bank Romania is the only bank with an organic growth within the top 10 local banks by assets, without acquisitions of client portfolios or other banks. ING Bank Romania is an universal bank with more than 1.8 million customers from three business segments: individuals (retail), SME and Mid-Corporate companies and Wholesale Banking.

Join us!

Mission

Regional Manager Debt Portfolio is overall responsible with management of relation and performance of court bailiffs in relation with Bank’s debts from allocated portfolio, representing the Bank and acting to maintain its patrimonial and non – patrimonial interests.

Your day to day

• Cooperates with other departments (e.g. FO, Lending Tribe, Collection & Recovery) to corelate actions and enable sharing of relevant information to optimize lending processes, from acceptance to closing.
• Analyzes market evolution and practices related to debt recovery activities through legal processes and formulates proposals to improve performance in recoveries and to corelate with risk indicators.
• Is responsible for allocated portfolio in forced execution and court bailiffs’ performance, as follows:
  • Has the main role of controlling the activity of Bailiffs, by monitoring their actions, including by making visits to their offices.
  • Collaborates with Legal Department to support the Bank's interests in litigations related to the enforcement process in which it is a party, in order to identify options for optimizing the enforcement process.
  • Performs, monitors, analyzes and interprets various reports on enforcement processes, in accordance with the risk indicators and legal provisions. Synthesize data, evaluate results and recommend actions as appropriate, in consultation with Consumer / Business Debt Portfolio Expert.
  • Assists the bailiffs, from the perspective of the creditor's representative, in the steps and efforts specific to the enforcement process (e.g.: garnishment validation, sharing action), with consultation as appropriate of the Legal Department.
  • Has the role of verifying the correct allocation of the amounts recovered by the bailiffs, in accordance with the legal provisions and procedures of the Bank.

What you bring to the team

• Bachelor’s degree.
• Relevant experience in debts recovery activities.
• Good understanding of legal aspects related to recovery activities and retail credit risk management.
• Strong negotiation skills.
• Strong ability to effectively use MS Office and main internal systems related to lending and collection activities (Capone, Profile, Credit Platform).
• Good writing, communications and organizational skills
• Fluent in English, both written and verbally.
• Keen on learning and developing within a credit risk environment.

What we offer

• Impactful work in a fun and collaborative environment
• Open-concept offices designed for both teamwork and relaxation
• Corporate events and social gatherings
• Hybrid way of working with flexible working schedule and short week options
• Monthly budget on Benefit platform
• Extra annual leave days depending on the total length of working experience
• Growth opportunities through upskilling/ reskilling programs and a variety of learning and development platforms: ING Learning Centre, Udemy, Bookster, as well as through trainings and certifications
• Possibility to access Internal roles, International Short-Term Assignments or Long-Term Assignments
• Context to make an impact through Sustainability and Corporate Social Responsibility projects.