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Assistant Manager - Specialized Collections

Standard Chartered Bank • Full Time • Kwun Tong, Hong Kong, HK • 1d ago

Job Summary

This role is responsible for end-to-end legal proceeding including property repossession, property selling as well as liaising with external solicitor and debt settlement offering to customer.

Key Responsibilities

Strategy

Managing legal cases by reviewed and recommended necessary action to increase the collections / recovery rate,
Managing end to end mortgage case including legal, repossession, engaging vendor for property cleaning, engaging property agent for property selling, engaging auctioneer for property auction, review and propose the selling price to management.
Control and monitor the process for the case under legal action with management MIS provided
Review the legal case inventory to identify those workable cases for increasing the recovery rate,
To liaise with legal firms for early legal sue for both charged- off and pre-charged-off accounts,
To perform telephone dunning call to negotiate the settlement plan for legal case,
Offer assistance to those customers having financial problems through negotiation and settlement to reduce the credit loss,
Manage legal firm performance to ensure the compliance of Bank requirements especially for Collection Legal Panel,
Execute collection strategies in order to manage an acceptable level of credit loss and maximize recovery return through in-house collection action.
Responsible for overseeing the overall collection activities for problem credit management accounts as well as provides a solution to CPBB Collection.
Responsible for carry out debt collection process to reduce loan loss and maximize debt recovery

Business

To ensure effective utilization of resources with objectives of minimizing credit losses, maximizing recovery in Retail banking portfolio.
Assist manager to ensure good control mechanisms are in place and to ensure satisfactory audit clearance and operational assurance.
To ensure / improve operations effectiveness and KPIs
To identify and execute workflow re-engineering processes
To formulate strategies and action plans.

Processes

Negotiate with customer on default payment and offer solutions to customers.
Analyse and conduct deep dive as part of skip tracing and monitor account handling progress
To ensure compliance with Group and Local policies, procedures and codes, including anti-money laundering.
To ensure compliance with Local Laws and Regulations that the Risk Function have Risk Control ownership, as defined in the Operational Risk Framework.

People & Talent

Assist to strengthen team capacity and continue engagement with people
Enhance communication within and among team across Retail Risk Organizations as well as other internal stakeholders and external

Risk Management

Display exemplary conduct and live by the Group’s Values and Code of Conduct
Take 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.
To ensure that the risks arising from litigation, environmental claims, regulatory censure or potential reputational loss are minimized.

Governance

Ensure all collection policies and procedures comply with Group Policies and Standards. Assure proper and updated documentation of all in-country policies and procedures are maintained at all times
To be well versed in relevant law & regulations to provide guidance in legal issues.

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 the team to achieve the outcomes set out in the Bank’s Conduct Principles, Group Collection Standard and Regulatory requirement
Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key stakeholders

Internal

Relationship manager
Product Manager
CRM

External

Law firm
Property agent
Property Auctioneer

Other Responsibilities

Skills and Experience

Effective Communications
Negotiating
Industry Knowledge
Risk Management
Data Privacy

Qualifications

ECF-CRM is an advantage

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.

www.sc.com/careers

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