Job Summary

Strategy

•    Handle the end-to-end process on internal forbearance program (DRP) proposal preparation for all WRB banking products such as Unsecured, Secured and Business Banking.
•    Liaising and propose debt workout plan with external party (Hong Kong Mortgage Corporation) on PLGS, SFGS, DLGS product.
•    Assist and support on ad-hoc task request by internal and external stake holders.
•    Actively support across function within Collections team as cross back-up or job rotation as requested by team manager.
•    Control and monitor the process for the case under DRP with management MIS provided. 
•    Ensure good control mechanisms are in place and to ensure complied with Code of Banking Practice and the Bank’s standard. 
•    To identify and execute workflow re-engineering processes. 
•    Liaise with internal and external stakeholders to enhancement the process and processing time.

Business
•    To ensure effective utilization of resources with objectives of minimizing credit losses, maximizing recovery in Retail banking portfolio. 
•    Assist manager to ensure good control mechanisms are in place and ensure satisfactory audit clearance and operational assurance. 
•    To ensure / improve operations effectiveness and KPIs. 
•    To identify and execute workflow re-engineering processes. 
•    To formulate strategies and action plans. 

Processes
•    Handling end-to-end DRP application and liaising with customer to furnish further documents/DRP terms.
•    Relevant experience in HK SME business, able to read and understand company financial document and conduct analysis and assessment.
•    To ensure compliance with Group and Local policies, procedures and codes, including anti-money laundering. 
•    To ensure compliance with Local Laws and Regulations that the Risk Function have Risk Control ownership, as defined in the Operational Risk Framework. 

People & Talent
•    Assist to strengthen team capacity and continue engagement with people. 
•    Enhance communication within and among team across Retail Risk Organizations as well as other internal stakeholders and external. 
 

Key Responsibilities

Risk Management
•    Display exemplary conduct and live by the Group’s Values and Code of Conduct. 
•    Take responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank, this includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct. 
•    Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters. 
•    To ensure that the risks arising from litigation, environmental claims, regulatory censure, or potential reputational loss are minimized. 

Governance
•    Ensure all collection policies and procedures comply with Group Policies and Standards. Assure proper and updated documentation of all in- country policies and procedures are maintained at all times. 
•    To be well versed in relevant law & regulations to provide guidance in legal issues. 

Regulatory & Business Conduct

•    Display exemplary conduct and live by the Group’s Values and Code of Conduct. 
•    Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
•    Lead the team to achieve the outcomes set out in the Bank’s Conduct Principles, Group Collection Standard and Regulatory requirement. 
•    Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key stakeholders

Internal
•    HK Governance & Strategy Collections Team
•    HK Recovery and Agency Collections Team
•    Operation team
•    CCC Teleservices Team
•    Product team

External
•    Law firm
•    Customer
•    Hong Kong Mortgage Corporation
 

Skills and Experience

• Manage Conduct    
• Manage Operational and Reputation Risk    
• Manage People    
• Stakeholder Management    

Qualifications

• EDUCATION     UNIVERSITY DEGREE (MAJOR IN ENGLISH)
• LANGUAGES     ENGLISH, CANTONESE, MANDARIN

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together we:

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What we offer

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.