Assistant Manager, Specialized Collections - Hong Kong

Job Summary

Strategy

•    Handle the end-to-end process on internal forbearance program (DRP) proposal preparation for all WRB banking products such as Unsecured, Secured and Business Banking.
•    Liaising and propose debt workout plan with external party (Hong Kong Mortgage Corporation) on PLGS, SFGS, DLGS product.
•    Assist and support on ad-hoc task request by internal and external stake holders.
•    Actively support across function within Collections team as cross back-up or job rotation as requested by team manager.
•    Control and monitor the process for the case under DRP with management MIS provided. 
•    Ensure good control mechanisms are in place and to ensure complied with Code of Banking Practice and the Bank’s standard. 
•    To identify and execute workflow re-engineering processes. 
•    Liaise with internal and external stakeholders to enhancement the process and processing time.

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 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
•    Handling end-to-end DRP application and liaising with customer to furnish further documents/DRP terms.
•    Relevant experience in HK SME business, able to read and understand company financial document and conduct analysis and assessment.
•    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. 
 

Key Responsibilities

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
•    HK Governance & Strategy Collections Team
•    HK Recovery and Agency Collections Team
•    Operation team
•    CCC Teleservices Team
•    Product team

External
•    Law firm
•    Customer
•    Hong Kong Mortgage Corporation

Skills and Experience

• Manage Conduct    
• Manage Operational and Reputation Risk    
• Manage People    
• Stakeholder Management    

Qualifications

• EDUCATION     UNIVERSITY DEGREE (MAJOR IN ENGLISH)
• LANGUAGES     ENGLISH, CANTONESE, MANDARIN