Risk Manager (Collection) - Retail Credit Risk

Position Summary

Work with Section Head of Retail Credit Risk on performing collection analytics, formulating collection strategies, managing performance of internal and external collectors.

Responsibilities

• Manage credit costs of retail lending products based on approved budgets
• Formulate collection strategies with the use of various credit decision tools such as credit scorecards, segmentation models, MIS reports, etc. for improving the efficiency of recovery
• Perform recovery and portfolio management related analytics to drive enhancements in collection strategies
• Manage the performance of internal and external collectors
• Support loan restructuring and interbank debt relief plan
• Manage handling of customer complaint cases in relation to collection activities
• Participate in bank-wide projects such as system migration and A.I. adoption
• Work closely with various business units, including Compliance, IT, etc.

Requirements

• University graduate in Risk Management, or a related discipline
• At least 3 years of experience in similar positions in retail risk or collection related
• Sound knowledge in retail lending products
• Sound knowledge in collection
• Good knowledge of data analytics and quantitative skills
• Experience in programming languages such as SAS, Python, R, etc. is a bonus
• Experience in handling customer complaints is a bonus
• Experience in handling internal and external collection agencies is a bonus
• Good interpersonal and communication skills
• Good command in both spoken and written English and Chinese