Job Summary

Business
•    To effectively monitor and review allocated portfolio so as to ensure successful recoveries with the objective of minimizing Net Credit Loss. 

Processes
•    Negotiate & collect overdue amount from delinquent customers 
•    Ensure amounts collected from the customer are deposited in the branch within the specified timeline
•    Ensure feedback from collection activity is properly updated in CACS
•    Adherence to Code of Conduct at all times.
•    Timely reporting of service issues to the supervisor
•    Follow all related procedures/documentation wherever applicable 
•    Timely completion of all training requirements – annual refreshers, e-learnings, product refreshers etc.
•    Closure of all customer escalations within applicable TAT

Key Responsibilities

Operating Model 
To ensure that all collection activities 
•    Are carried out in compliance with the bank policies / standards, and with due recognition of the regulatory guidelines within the country and all relevant risk type framework.
•    Uphold the principles of Treating Customers Fairly (TCF) during customer interaction.
•    Maintain the highest standards of vendor governance

Tools and technology
•    Making optimal use of all collection tools to enhance collection efficiency. 

Risk Management
•    Monitor all major risk issues and concentrations. Where appropriate, direct remedial action and/or ensure adequate reporting to Risk Committees

Governance 
•    Promote an environment where compliance with internal control functions and the external regulatory framework is a central priority of the business
•    Ensure full awareness of all the policies and procedures issued in relation to money laundering prevention. He / she must ensure compliance with these policies and procedures on an ongoing basis. 

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 to achieve the outcomes set out in the Bank’s Conduct Principles: [Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment.] * 
•    Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
•    Serve as a Director of the Board 
•    Exercise authorities delegated by the Board of Directors and act in accordance with Articles of Association (or equivalent) 

Key stakeholders

Internal
•    Policy Team
•    Credit Initiation / Credit Operations

External
•    Auditors: For Audit and Reviews
•    Regulators: Inspection and Regulatory requirements
•    DRT

Other Responsibilities
•    The Job holder must ensure he/ she is fully aware of all the policies and procedures issued in relation to money laundering prevention. He / she must ensure compliance with these policies and procedures on an ongoing basis. Any suspicious transaction must immediately be reported to the supervising officer and must be responsible for overall awareness, adherence and implementation of the Group AML Standards and Country KYC policies. Establishing a culture and systems and controls to ensure that the businesses operate according to higher standards of regulatory and compliance practices as defined by requirements including local banking laws and anti-money laundering guidelines as part of developing a culture of good compliance

Skills and Experience

•    Business – Market Knowledge
•    Business – Products and Processes
•    Manage Conduct
•    Manage Risk
•    Manage People

Qualifications

•    Graduate with 2-4 years of experience with a minimum of 1 year of relevant experience
•    Good communication skills.
•    An initiator with very high level of energy.
•    Negotiation and influencing skills

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.