Job Summary

Strategy*

• Maintain and execute collection policies and procedures. 
• People management through leadership, training, coaching and staff development to ensure there are sufficient proper resources to underpin the day-to-day operation of the team and stabilize attrition rate.
• Design, execute and on-going review collection strategies to achieve respective collection results.
• Maintain good relationship and coordinate with other stakeholders to ensure the credit cycle can be operated smoothly for an optimal balance of risk and reward.
• Monitor closely the performance of the field collection team to minimize credit losses and maximize recoveries.  

Business*

• Assist on making optimal use of all collection tools and using analytical and data segmentation to enhance collection efficiency.
• Make a deep analysis on most delinquent accounts, find out the reason and create the resolution for collectors on timely basis.
• Timely provide solution to customer to reduce his/her financial difficulty (waiver/settlement).
• Execute and ensure adequate and accurate collections performance & KPIs are in place and prepared in a timely manner, to facilitate performance management of the Collections Department.
• To ensure effective utilization of resources with objectives of minimizing credit losses, maximizing recovery and managing costs.
• Field visit. By collaborating with the tele team, necessary external visits were conducted on 30+DPD cases to obtain effective repayment (plans) from customers.
• Docking with business RM. Through closer integration, linkage, communication, and feedback with RM, effectively improve the collection effectiveness of RM collaboration and deeply participate in supporting RM performance.
• Participate in the design and manage of the field collector performance scheme, and maintain synergy with Strategy & Governance team

Processes*

• Deliver on Loan Impairment target for the year. Build up checking and control process in all of Collection operation model to make sure no gap with local regulation and policy compliance.
• Conduct site visit to customer in timely basis and provide suitable solution (Including DRP/Settlement) / early action decision based on the deep dive/ SV result.
• 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*

• Maintain an organization structure that is aligned with Group Target Operating Model (TOM).
• Minimize Staff Voluntary Attrition
• Oversee career development plans of direct reports.
• Build up a professional team of staff members by implementing performance planning, capacity planning, training, coaching and evaluation activities.

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.