锦鲤求职岗位描述
Job Purpose:
The role involves managing debt collection related activities, optimizing recovery strategies, and managing the team to minimize credit losses while maintaining regulatory compliance.
Main Responsibilities:
Support the Head of Collection in leading a team responsible for managing delinquent within the retail banking portfolio, ensuring day-to-day activities are delivered effectively
Manage and supervise the in-house Collection team, ensuring timely follow-ups on delinquent accounts including SME, SFGS and secured loans etc. Liaise with HKMC to facilitate smooth claim settlements
Responsible for overseeing the overall collection activities for problem credit management accounts, including oversight of outsourced debt collection agencies operations and performance
Initiate and manage legal proceedings against debtors by instructing external solicitors and ensuring cases are progressed within agreed timeframes
Continuously review and evaluate the in-house collection processes and strategies to adapt to the fast change retail credit environment
Lead and drive new initiatives and IT projects, including process streamlining, system enhancements, and service migration, to improve operational efficiency and meet evolving business needs
Formulate and execute collection strategies to manage an acceptable level of credit loss and maximize debt recovery
Compile and prepare statistical reports and performance insights, delivering clear and management analysis to enable effective review and decision making
Ensure all collection policies and procedures comply with the Bank’s standards and regulatory requirements. Assure proper and updated documentation of policies and procedures are maintained at all times
To 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
Motivate team members and provide adequate training and job rotation opportunities
Incumbent Requirements:
Tertiary education or above
Minimum 2 years of experience at supervisory level in the field of debt collection
Hands-on experience in the retail credit collection end-to-end workflow
Sound knowledge of retail banking; exposure to operational risk management is an advantage
Great sense of ownership and servicing mindset to ensure efficient and effective customer service processes
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