Manager, Collection

Responsible for executing debt collection related activities to maximize debt recovery and minimize credit loss rate.

Main Responsibilities:

• Manage and monitor the in-house Collection team performance
• Continuously review and evaluate the in-house collection processes and strategies to adapt to the fast change retail credit environment
• Formulate and execute collection strategies to manage an acceptable level of credit loss and maximize debt recovery
• Analyze data and prepare reporting on collection progress and performance
• Ensure good control mechanisms under Collection team are in place and complied with the Bank’s standards and regulatory requirements
• Ensure / improve effectiveness and KPIs for Collection operations
• Support change initiatives and process review for collection by performing UAT and coordinating with relevant stakeholders
• Support across function within Collection team as cross back-up or job rotation as requested by management
• Provide timely coaching and feedback to subordinate team members when required

Incumbent Requirements:

• Tertiary education or above
• Minimum 8 years of Retail Collection related experience,of which 2 years at supervisory level in the field of debt collection
• Hands-on experience in the retail credit collection end-to-end workflow
• Good command of credit and financial analysis capacity
• Solid skills in data management including data analysis
• Proficient in Excel and AI tools for data analysis
• Strong communication, problem-solving and negotiation skills, with the ability to work effectively with customers and internal stakeholders
• Analytical mindset with proficiency in leveraging Collection team data and productivity metrics
• Ability to work in a fast-paced environment, prioritizing multiple tasks and meeting deadlines
• Good command of both written and spoken English and Chinese, fluency in Putonghua is an advantage