Standard Chartered | Senior Manager, Collection Governance
3 weeks ago
To ensure that the Hong Kong Collections Department is managed efficiently & effectively, to enable it to meet business objectives, add value to the strategic direction, planning & performance of the Retail & Wealth Banking. To implement a sustainable Regional Collection & Recovery cooperation & governance to deliver on loss performance, productivity controls & conduct.
RESPONSIBILITIES
- Formulate, maintain and execute collection strategies, policies and procedures.
- Ensure effective portfolio monitoring mechanisms are in place, including early warning mechanisms and contingency plans.
- Develop and execute new initiatives to achieve collections and recovery target setting, LI budgeting and forecasting.
- Manage an acceptable level of credit loss and maximize economic profits for the Business through good growth.
- Support the reduction of credit operation costs through improvement in efficiency and effectiveness of credit operation processes/strategies.
Business
- Ensure effective utilization of resources with objectives of minimizing credit losses, maximizing recovery, and managing costs.
- Define and drive recovery strategy every year.
- Accountable for satisfactory closure of issues/gaps arising from Internal Audits, peer reviews, external vendor audits, and regulatory reviews.
- Participate in discussions with stakeholders and support new initiatives, product launches, etc.
- Monitor complaint management, lesson learned sessions, and manage to achieve year target.
Processes
- Ensure compliance with regulatory requirements and internal policies for all collection activities.
- Implement the ORF as planned and on a timely basis, and proactively evaluate ORF controls whenever there are changes in high-risk processes.
- Continuously improve collection processes to enhance and reduce operational risks.
- Ensure good control mechanisms are in place and satisfactory audit clearance.
- Drive conduct risk agenda in the collection department by ensuring frequent engagement with the team on key conduct items and engaging in the country conduct forum.
- Identify and execute workflow re-engineering processes.
- Ensure that routines and training reinforce compliance with key corporate, legal, and regulatory initiatives.
- Socialize issues arising out of audits/control testing to ensure that learnings are disseminated.
- Manage support area across Collection teams.
- Coordinate complaints management for the collection team.
People & Talent
- Increase intellectual capital and ensure the highest quality of people in Collection through effective training and coaching.
- Reward excellence and ensure alignment in rewards and performance.
- Create an environment conducive to career growth and development, ensuring staff satisfaction and strengthening retention factors for performing staff.
- Build bench-strengths and ensure succession plans are in place.
- Effectively manage external vendors to deliver high performance with effective control.
- Responsible for third-party agency and law firm compliance, ensuring the highest standard of vendor performance.
- Uphold and reinforce the independence of the Risk function.
Governance
- Ensure that all collection activities are carried out in compliance with agreed standards and regulatory guidelines.
- Ensure good control mechanisms are in place by at least quarterly governance forums with Team Leads and ensure satisfactory audit clearance.
- Support the regular submission for CST, KCI, etc.
- Immediately highlight gaps or breaches identified to appropriate department or management.
- Work with GIA & Country teams to ensure that conduct of Internal Audits & Peer Reviews are undertaken seamlessly & identified issues are resolved timely.
Regulatory & Business Conduct
- Display exemplary conduct and live by the Group’s Values and Code of Conduct.
- Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct.
- Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
- Lead the Collection Strategy and Governance team to achieve the outcomes set out in the Bank’s Conduct Principles.
Key Stakeholders
- WRB Ops
- Product
- HR
- Legal and CFCC
- Client Experience
- Credit Risk
- Auditors
- Regulators
Qualification
- Tertiary education with at least 5 years solid experience in Collection area and at least 3 years of managerial level.
Role Specific Technical Competencies
- Data Science
- Manage Conduct
- Manage Operational and Reputation Risk
- Manage People
- Analytical Skills
- Stakeholder Management
We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you.
What we offer
- Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
- Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum), and volunteering leave (3 days).
- Flexible working options based around home and office locations.
- Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform.
- A continuous learning culture to support your growth, with opportunities to reskill and upskill.
- Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity.
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