Job Summary

To lead the China NPL sales process, develop a robust framework for identifying eligible assets, pricing, and selecting buyers or investors for NPL portfolios. Ensure all legal, regulatory, and compliance standards are adhered to during NPL sales

Key Responsibilities

Strategy
•    Lead the China NPL Sale process, from portfolio segmentation and valuation to negotiation and execution of sales.
•    Develop a robust framework for identifying eligible assets, pricing, and selecting buyers or investors for NPL portfolios. Ensure all legal, regulatory, and compliance standards are adhered to during NPL sales, including the safeguarding of customer data.
•    Analyse market trends and emerging opportunities to develop innovative and competitive sale structures.
•    Track and report the performance of NPL sales to optimize processes and strategies for future transactions

Business

•    Cooperate with each collection team and CACS RSS team to establish the collection system strategy and system daily administration.

Processes
•    Provide insights and regular updates to stakeholders on NPL sales progress.
•    Collaborate with team to ensure alignment on the NPL sales objectives.

People & Talent
•    Working closely with CN Risk team, Product team, Business team to make sure smoothly process of the NPL sales.
•    Fostering a culture of high performance and continuous learning.

Risk Management
•    The ability to identifying, accessing, nonitoring, controlling and mitigation risk in the NPL sale process, identify key issues and put in place appropriate contrils and measures.

Governance
•    To ensure all the collection activities are carried out in compliance with the agreed standards in group and country.
•    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
•    《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

•    Credit Risk Management team
•    Credit Risk Policy and Governance team
•    legal
•    CFCC
•    Product team
•    Business team
•    WRB Ops team
•    WRB Group Collection team
•    Finance
•    Supply Chain management

Qualifications

•    Education: Bachelor’s Or Master’s Degree In Finance, Econmics, Business Or A Related Field.
•    Languages: Excellent In English Speaking, Writing

Skills and Experience

•    Strong analytical skills, with experience in leveraging data to drive insights and decision-marking
•    Collection, NPL sales or related area

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.