Job Purpose:

The successful candidate will assist in formulating & modify collection strategies from time to time in response to the economic situation & lead the Collection Team to achieve collection target by maximizing the recovery amount, reducing delinquent and flow rate as well as minimizing the credit loss with lower charge-off ratio.

Responsibilities:

• Actively leading the Collection Team for performing collection of all unsecured and secured retail products to achieve the Bank's target in efficient manner;
• Identify opportunities to improve collection performance by maintaining a broad awareness if collection development in the marketplace as well as providing sufficient coaching to team members;
• Streamline the collection workflow and logistics;
• Actively monitor the collection performance of debt collection agencies;
• Review and formulate collection procedure, strategies and guidelines in compliance with the statutory requirement and in response to the economic situation;
• Identify opportunities to streamline the daily operations so as to maximize the utilization of resources;
• Act as a focal contact of the Bank in dealing with IVA/ Inter-Bank Debt Relief Plan/ Bankruptcy issues.

Requirements:

• Tertiary education preferred, with at least 7 years solid experience in collection practices, or over 10 years deep exposure in collection practices of which at least 7 years in managerial level;
• Working experience in formulation of collection strategies, policies & procedures;
• Strong leadership, analytical and negotiation skills;
• Able to work independently & under tight deadline and time constraints;
• Having knowledge of relevant Codes and Guidelines introduced by HKMA / PCO / CRA / CCRA Familiar with litigation proceeding for both secured & unsecured products;
• Good command of written and spoken English & Chinese;
• High level of risk awareness, particularly in compliance;
• Professional qualification such as Certified Banker (CB), ECF is preferable. 

Please note that only shortlisted candidates will be notified.