Assistant Manager / Manager of Collection

About the CompanyAbout the RoleThe role is responsible for supporting the delivery of the collection and recovery framework for consumer lending and SME products, formulating and executing recovery strategies, engaging with overdue and defaulted customers, monitoring credit risk performance, and coordinating with internal and external stakeholders to manage portfolio credit losses and ensure compliance with regulatory and system requirements.ResponsibilitiesSupport the delivery of the collection and recovery framework for consumer lending and SME productsFormulate and execute recovery strategy to ensure the Bank’s position is preservedEngage directly with overdue and defaulted customers to discuss and agree actions to remediate overdue positionMonitor credit risk performance of the loan portfolio and report to the Risk Management Committee on a periodic basisPerform analysis to identify key factors and trends driving the portfolio credit lossesDirect the debt collection agency selection and manage the vendor performanceLiaise and coordinate with Legal, Compliance and Business Partners to keep abreast of the latest regulatory and system requirementsQualificationsBachelor's degree in Business or other related disciplines.Required SkillsProven record of effective management collection and recovery processMinimum 3 years of broad experience within the banking and financial sector, with knowledge in corporate recovery, handling court cases in HK/PRC, credit cycle management and credit bureau reporting.Candidate with less experience will be considered as Assistant Manager of CollectionExperience in working with HKMC on SFGS programme is an advantage.Strong business understanding of local regulations and operational control standards.Excellent writing skills to clearly spell out user requirements for system developmentDemonstrate experience in design and use of Management Information to drive process changes and inform decisionsFluent in spoken English and Chinese.