Job Summary

Strategy
•    Quality Standards: To achieve the required standards for quality and completeness of work, accuracy, presentation, etc.

Business
•    Financial performance: Collection and recovery performance measures (e.g. collection amount, number of payers, etc.)
•    Responsible for conducting on-site visits to overdue non-repayers, understanding their repayment willingness and repayment capability, and collecting relevant materials and information.
•    Communicating with clients, explaining the consequences of overdue Repayment, assisting clients in formulating a Repayment plan, and encouraging with them to repay as soon as possible.
•    Record the collection process, regularly report collection progress and results and propose collection strategies and recommendations.

Processes
•    Accountable on AML: Accountable for implementing and complying with AML requirements when performing duties.
•    Fraud Prevention Alertness: Fully understand the importance of fraud prevention, prevent fraud risks, maintain safe and steady operation of the position, implement regulatory requirements of fraud prevention, strictly execute DOIs of the department, ensure to complete relevant trainings
•    Compliance To achieve the required compliance with rules on process and disclosure, and with codes of. Measures:
1.Fully comply 中国业务/部门行为指引
2.Fully comply 'Clean Desk Policy’.
3.Fully comply 'Mobile Phone Usage Rule’.
4.Adhere to risk and compliance requirements in day-to-day responsibilities including timely submission of reports and related documents.
•    Time Management: To achieve the required standards for setting priorities, and for scheduling activities, to make best use of time.

People & Talent
•    Constructive Contribution: To achieve the necessary improvement to current practices through suggesting effective changes.
•    Team and Working Relationships: To achieve the required contribution to team performance through effective working relationships with colleagues. Participant % achieve at least 85% for department key event such as annual dinner; EV activity; training.
•    Technology: To achieve the required level of effectiveness in getting the best out of computer systems and packages.
•    Resources Management: To achieve the required cost effectiveness and avoidance of waste in the use of physical resources (paper, telephone, fax etc). To achieve the required annual leave taken plan.(Q1-20%;Q2-50%;Q3-75%; Q4-100%)

Risk Management
•    Non-Financial performance (conduct related): Client satisfaction/complaints, compliance, etc.
•    Customer Service: Standards To achieve the required service standards for response to customer needs (customers may be external or internal).
•    Productivity Standards: To achieve the required standards for volumes of work and account cured within deadline.

Key Responsibilities

Governance
•    The operation of Collection must comply with the requirements of local regulatory regulations, including but not limited to the following,
文件名称
《广东银行业金融机构委托催收自律公约（试行）》（粤银公[2020]150号）
《流动资金贷款管理暂行办法》(银监会令2010年第1号)
《个人贷款管理暂行办法》(银监会令2010年第2号)
《贷款损失准备计提指引》（银发[2002]98号）
《金融企业呆账核销管理办法》（财金[2017]90号）
《不良金融资产处置尽职指引（银监发〔2005〕72号）》
《商业银行互联网贷款管理暂行办法（中国银行保险监督管理委员会令2020年第9号）》
《商业银行信用卡业务监督管理办法（中国银行业监督管理委员会令2011年第2号）》
《银行业金融机构外包风险管理指引（银监发[2010]44号）》
《银行业金融机构绩效考评监管指引》（银监发（2012) 34号）

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.
•    Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters. 

Key stakeholders

•    Client Care Executive; Business Team

Other Responsibilities

•    Responsible for conducting on-site visits to overdue non-repayers, understanding their repayment willingness and repayment capability, and collecting relevant materials and information.
•    Communicating with clients, explaining the consequences of overdue Repayment, assisting clients in formulating a Repayment plan, and encouraging with them to repay as soon as possible.

•    Record the collection process, regularly report collection progress and results and propose collection strategies and recommendations.

Skills and Expereience

Communication skill

Basic computer operation skill

Knowledge of bank rule of law

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.