وظائف خالية محصل ( ديون بنكية وشركات محمول وشركات تمويل) - العمل في البحرين - المنامة - البحرين

1. Client onboarding: in this stage Epic Credit Recoveries clients / partners will need to fulfill our compliance & Due diligence process, after submitting all the filled forms and required documents then our risk team will go through it and provide the necessary approvals.

After passing this stage our clients will be required to sign our contractual agreements and get onboarded through our systems after that we will assign the accounts managers accordingly.

 

2. Debt portfolio transfer: The creditor transfers a portfolio of delinquent accounts to us, including relevant information such as debtor contact details, outstanding balances, and payment history.

 

3. Data validation: Epic Credit Recoveries will validate the accuracy of the debtor information and updates it as necessary. This may involve cross-referencing with public records, credit bureaus, or other sources of information.

 

4. Risk assessment: Epic Credit Recoveries will assesses the collectability of each debt and assigns a priority level based on factors such as the debtor's creditworthiness, payment history, and the age of the debt.

 

5. Debtor contact and initial demand: Epic Credit Recoveries will initiate contact with the debtor, usually through letters, emails, phone calls, or text messages. The initial communication typically includes a demand for payment and an explanation of the consequences of non-payment, such as legal action or negative credit reporting.

 

6. Field Visits: If the Debtor did not respond positively to all of the above attempts Epic Credit Recoveries will recommend making the required field visits to verify the status of the debtor or pressure them to respond to the settlement demands including signing settlement agreements and initiate the necessary live negotiations with the debtor.

 

7. Payment negotiation: If the debtor responds, Epic Credit Recoveries may enter into negotiations to establish a mutually agreeable payment plan or settle the debt for a reduced amount after getting the necessary written approvals from the creditors.

 

8. Payment processing: Epic Credit Recoveries will guide the debtors to make direct payments to the creditors or may collect payments from the debtor, either as a lump sum or through an agreed-upon payment plan. Payments are typically processed through various channels, such as direct debit, credit card, or electronic funds transfer.

 

9. Account monitoring: Epic Credit Recoveries will monitor the debtor's compliance with the agreed-upon payment terms and takes action if the debtor defaults on the payment plan.

 

10. Debt escalation: If the debtor fails to respond or comply with the negotiated payment terms, Epic Credit Recoveries may escalate the debt collection process by taking the necessary legal action, such as filing a lawsuit or initiating wage garnishment after getting a written approval from the creditors.

 

11. Debt recovery and reporting: If the debt is successfully collected, Epic Credit Recoveries will report the recovery to the client and remits the collected funds, minus their fees and commissions. Epic Credit Recoveries may also report the debtor's payment behavior to credit bureaus, which can impact the debtor's credit score.

 

12. Account closure: If the debt is deemed uncollectible or the statute of limitations has expired, Epic Credit Recoveries typically closes the account and returns it to the creditor, who may choose to write off the debt as a loss.

 

Throughout the debt collection process, it's essential for Epic Credit Recoveries to adhere to applicable laws and regulations, such as the Fair Debt Collection Practices Act (FDCPA) & General Data Protection Regulations (GDPR

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