Assistant Manager/ Officer, Collection - Retail Credit

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

Main Responsibilities:

Follow in-house collection processes and strategies to adapt to the fast change retail credit environment and to manage an acceptable level of credit loss and maximize debt recovery

Prepare data for 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

Incumbent Requirements:

Tertiary education or above

Minimum 2 years of Retail Collection related experience in financial sector, preferably banking

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