Job Summary

We are seeking a highly motivated and analytical professional to join our Collections Strategy & Governance team. The team serves as a Centre of Excellence, driving sustainable collections and recovery performance through strategy development, governance oversight, operational excellence, and continuous process improvement.

This role offers the opportunity to influence portfolio performance, strengthen governance frameworks, drive business transformation initiatives, and work closely with stakeholders across Collections, Risk, Operations, Technology, and Finance. 

Key Responsibilities

Collections Strategy & Portfolio Management: 
•    Develop, implement, and maintain collections and recovery strategies, policies, and procedures.
•    Monitor portfolio performance and establish effective early warning indicators, monitoring frameworks, and contingency plans.
•    Ensure collections strategies remain appropriate for the size, complexity, and risk profile of the portfolio.
•    Utilize data analytics, segmentation techniques, and collections tools to improve portfolio performance and operational effectiveness.
Business Planning & Performance Management: 
•    Support collections and recovery target setting, impairment budgeting, forecasting, and performance tracking.
•    Identify opportunities to improve collections outcomes, operational productivity, and cost efficiency.
•    Drive initiatives that enhance customer treatment strategies while optimizing recovery outcomes..

Process Improvement & Transformation: 
•    Lead continuous improvement initiatives by enhancing collections processes, tools, and systems.•
•    Identify and implement workflow re-engineering opportunities to improve efficiency, scalability, and control effectiveness.
•    Represent the Collections function in country and regional transformation initiatives, ensuring successful implementation of process and system changes..
Governance, Risk & Controls: 
•    Ensure adherence to regulatory requirements, internal policies, and governance standards.
•    Establish and maintain robust control frameworks to support strong audit and review outcomes.
•    Oversee validation and governance of collections-related regulatory reporting and management information.
•    Support risk management activities and ensure appropriate controls are embedded within collections operations..
Vendor & Agency Management: 
•    Manage agency performance frameworks and assignment strategies to maximize third-party collections effectiveness.
•    Monitor agency performance and identify opportunities to improve recovery outcomes and service quality.

Motivations

•    Action Oriented : Taking on new opportunities and tough challenges with a sense of urgency, energy and enthusiasm.
•    Customer Focus: Building strong customer relationships and delivering customer-centric solutions
•    Collaborates: Building partnerships and working collaboratively with others to meet shared objectives.
•    Courage: Stepping up to address difficult issues and saying what needs to be said.
•    Instils Trust: Gaining the confidence and trust of others through honesty, integrity and authenticity.
•    Nimble Learning: Actively learning from experimentation, success, and failures. Applying lessons learned to new problems.

Skills and Experience

•    Data Science & Analytics
•    Project Management
•    Risk Management
•    Data Science & Analytics

Qualifications

Experience:
•    Relevant experience in collections strategy, credit risk, portfolio management, collections operations, or related banking functions.
•    Demonstrated experience in strategy development, governance, performance management, or operational improvement initiatives.
•    Experience in retail banking, unsecured lending, mortgage collections, or recovery operations would be advantageous.
Education:
•    Bachelor's degree or above in Business, Finance, Economics, Statistics, Data Analytics, or a related discipline.
Technical Skills:
•    Strong analytical and problem-solving skills with the ability to translate data into actionable insights.
•    Proficiency in SAS, Python, SQL, or other analytical tools is preferred.
•    Familiarity with banking operational processes, collections systems, and regulatory requirements is advantageous.
Personal Attributes:
•    Excellent communication and stakeholder management skills.
•    Strong project management and execution capabilities.
•    Ability to work independently and collaborate effectively across multiple functions.
•    Results-oriented mindset with a passion for continuous improvement and operational excellence.
Languages: 
•    Fluent in English, Cantonese, and Mandarin.

About Standard Chartered

We're a global bank connecting clients to our differentiated network, offering growth opportunities in the world's most dynamic markets. Our strategy, which combines cross-border capabilities and leading wealth management expertise, helps us deliver our purpose - to drive commerce and prosperity through our unique diversity.

Over our 170-year history, and across a unique geographical footprint connecting Asia, Africa and the Middle East to each other and the world, we've built a bank like no other, with diverse capabilities and partnerships that set us apart.

What We Offer

• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions, and geographies.
• 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 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.

Visit our careers website to learn more about us: www.sc.com/careers.