Job Summary

• Formulate, maintain and execute collection strategies, policies and procedure.
• To ensure effective portfolio monitoring mechanisms are in place, including early warning mechanisms and contingency plans
• To have an adequate and relevant collection strategy commensurate with the size and risk of the portfolio.
• Develop and execute new initiatives to achieve collections and recovery target setting, LI budgeting and forecasting
• To manage an acceptable level of credit loss and to maximize economic profits for the Business through good growths.
• To support the reduction of credit operation costs through improvement in efficiency and effectiveness of credit operation processes/ strategies.

Key Responsibilities

• Ensure compliance of regulatory requirement and internal policies for all collection activities.
• Implement the ORF as planned and on a timely basis, and proactively and rigorously evaluate ORF controls whenever there are changes in high-risk processes.  Continuously improve collection processes to enhance to reduce operational risks.
• To ensure good control mechanisms are in place and to ensure satisfactory audit clearance.
• To identify and execute workflow re-engineering processes.
• To ensure that all collection activities are carried out in compliance with the agreed standards and with due recognition of the regulatory guidelines within the country, Group Collections and the overall OR framework.
• To support the regular submission for CST, etc.
• Immediately highlight gaps or breaches identified to appropriate department or management. Ensure agreements are reviewed periodically as required by the process standards.

Skills and Experience

• Bachelor Degree or above 
• Experience of HKIB-ACRM is PREFERRABLE
• Language : Cantonese, Mandarin and English 
• Strong communication, analytical, problem-solving, and interpersonal skills.
• Proficiency with analytical tools such as SAS and/or Python programming language.
• Knowledge of the bank’s operational processes and systems is preferable.
• Prior experience in a strategy and/or collections support role is an added advantage.

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.