Job Summary

The Collection Manager for Risk and Operations is responsible for defining strategies and managing the daily operations of the Mortgage and Non-Performing Loan Collection. The role focuses on maximizing productivity and effectiveness through technology, supervising collectors, and managing past-due account portfolios to achieve business objectives.

Key Responsibilities

1. Strategy Development:

• Define and implement collection strategies to optimize recovery rates and minimize losses.
• Develop and refine processes to enhance the efficiency and effectiveness of collection activities.

2. Operational Management:

• Oversee the day-to-day operations of the Mortgage and Non-Performing Loan Collection.
• Ensure that collection activities comply with regulatory requirements and internal policies.
• Monitor and manage past-due account portfolios, ensuring timely follow-up and resolution.

3. Technology Utilization:

• Leverage technology and data analytics to improve collection processes and outcomes.
• Implement and manage collection software and tools to enhance operational efficiency.

4. Team Supervision:

• Supervise and lead a team of collectors, providing guidance, training, and performance management.
• Foster a high-performance culture focused on achieving collection targets and business objectives.

5. Asset Recovery and Disposal:

• Ensure that asset recovery and disposal processes are conducted in a timely and cost-effective manner.
• Collaborate with relevant departments to streamline asset recovery and disposal procedures.

6. Performance Monitoring and Reporting

• Track and analyze key performance indicators (KPIs) to measure the effectiveness of collection strategies.
• Prepare and present regular reports on collection performance to senior management.

7. Stakeholder Management:

• Liaise with internal and external stakeholders to address collection-related issues and opportunities.
• Maintain excellent relationships with legal, NPL, compliance and risk management teams to ensure alignment with overall business objectives.

Skills, Experiences and Qualifications

• Bachelor’s or master’s degree from recognised university.
• Minimum of 5 years of experience in related field with an understanding of regulatory requirements and basic data analytics skills.
• Business correspondence skills with excellent proficiency of English & Malay – written and spoken.
• Understanding of risk management principles and practices.
• Excellent leadership, communication, and interpersonal skills.
• Ability to develop and implement effective collection strategies.
• Proficient in Excel (pivots, lookups and basic VBA an 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.