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Reshaping Bahrain’s telecommunications experience with a bold and innovative technological and marketing approach, the company entered the Bahrain market in 2003 as the first operator to break the telecom monopoly, and today offers world-class voice, 3G and 4G LTE broadband and fixed-wireless services to 650,000 customers as of 31 March 2018. Through constant development of the telecommunications infrastructure and proactive marketing initiatives, Zain remains committed to offering customers in Bahrain the most dynamic products and services. The foundation of Zain Bahrain’s achievements lies in the company’s ability to inspire its employees to deliver the best and most imaginative services at every level. With an energetic and inspired majority-Bahraini workforce, the company is committed to employing high caliber people as well as nurturing the finest Bahraini talent. With a strong human resources and training program that develops and nurtures leaders in the workplace, the company has consistently opened new doors for its dedicated staff. Today, 91% of the workforce is Bahrainis, well above the required levels set by the Ministry Of Labor. For more on Zain Bahrain, please visit www.bh.zain.com
To prevent and detect fraud(s) that may occur or may have occurred to the organization and recommend & implement mitigation methods, policies and procedures, etc. that predict and reduce credit and fraud risks.
You will be responsible for
Focus on monitoring and analyzing the main KPI’s under the credit risk unit.
Monitor the receivables movement on monthly basis and justify the factors causing the impact in maintaining provision cost.
Recommend & alert the management beforehand in activities that will impact the overall increase in receivables that will ultimately impact the provision balance at end of the month.
Monitor the collection trend & provide alternative focus areas to overcome non-performing assets (NPA) recoveries.
Provide recommendations to decrease the cases transferred to the collection agency in order to maintain overall commission cost
Prevent and detect fraud(s) and recommend mitigation methods, policy and procedures that reduce credit risk.
Monitor, detect, analyze and report fraud pertaining to; subscription, hardware-subsidy, usage, payments and any incidents of violation of process / policies in the business
Identify patterns and trends associated with multiple risk lifecycle strategies including origination, account management and collections
Carry out credit loss forecasting, planning, and procedures as per IFRS9 Expected Credit Loss (ECL) methodology
Review and develop existing and new customer risk segments and identify risk factors using statistical modelling techniques.
Monitor credit control main KPIs and propose new ideas to reduce receivables and enhance collection.
Work on developing methods and processes to mitigate fraud from repeating and prevent any future fraud.
Liaise with related business stakeholders for fraud control operational needs to ensure controls and processes remains up-to-date to changing business dynamics.
Identify any new fraud trends that have or may occur.
Constantly update procedures to detect gaps that could allow fraud to take place.
Prepare all specialized reports and projects, as required for the function.
Prepare all reporting needs related to fraud cases detected on daily basis.
Maintain monthly case studies for audit and evaluation purpose and to measure effectiveness of fraud control operations.
Report facts and observations to management and recommend industry best practice to prevent losses.
Perform all other related tasks as assigned or needed.
Bahraini nationals are preferred.
Manama - Bahrain
As a leading regional telecom operator and one of the most valuable Arab brands, Zain offers many job opportunities that attract the very best qualified professionals. It is important that you apply for the right position in order to have a better opportunity to work with us. We invite you to follow the tips outlined below to analyze the best way to navigate the application process.
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Write down a number of specific and practical experiences in ‘STAR’ format, providing recent and relevant examples based on the different job requirements or skill sets of the job that you are applying for.