What Jobs are available for Collection Team in Hong Kong?

Job Responsibilities:

• Manage collection efforts across a range of retail and SME accounts.
• Collaborate with Legal and Sales teams to report outstanding cases while ensuring SFGS claims processing complies with regulatory requirements.
• Optimize recovery outcomes by overseeing external partners (lawyers, agencies) and improving Debt Collection Agent (DCA) performance through strategic case allocation.
• Review and improve credit control policies to increase efficiency and ensure compliance.
• Manage Credit Reference Agency (CRA) responsibilities (assignment, contribution, and maintenance).
• Manage DCA assignments, performance monitoring, and case allocation.
• Collaborate with the FinTech team to explore system automation and digitization opportunities.
• Ensure strict compliance with all relevant regulatory and statutory provisions.
• Perform other related tasks.

Job Requirement:

• Degree holder, preferably in Accounting, Finance, Math or a related discipline.
• Minimum 5 years of experience in banking industry, at least 3 years in corporate collections.
• Sound experience in Debt Collection Agency management and civil legal action handling.
• Sound experience in claiming under Government Scheme (HKMC).
• Good negotiation skill with good market and industry knowledge
• Good problem solving and analytical techniques, solution oriented.
• Experience in building and implementing collection systems.
• Well-versed in PC knowledge and skills, e.g. Excel, PowerPoint
• Fluent in English and Chinese (including Cantonese and Putonghua).

WeLab, a leading pan-Asian fintech platform, operates two digital banks (WeLab Bank and Bank Saqu) as well as multiple online financial services in Hong Kong, Mainland China, and Indonesia, with over 70 million individual users and over 700 enterprise customers. WeLab uses game-changing technology to help users access credit, save money, and enjoy their financial journey.

At WeLab, we always put our people first. Embarking on a career with WeLab means being part of the driving force to make financial services accessible for everyone. In our flat and agile organization, you will get all the opportunities to make real impacts and deliver change. Most importantly, while you achieve greatness, we will ensure you have an amazing experience at WeLab

Our team is energetic and passionate who can deliver and execute, and we are looking for intellectually curious, open-minded, and smart-working individuals who are just as passionate as we are about making financial services enjoyable.

Join us to build a better financial future for everyone

About you:

You're a go-getter with mad juggling skills (or multiple hats) who can thrive in a fast-paced, agile environment

You have a strong thirst for knowledge and are driven to find solutions that don't exist yet

You are comfortable with ambiguity and extremely resourceful (in your past life you could've been a detective)

You always find a way to get things done without sacrificing the quality of your work, integrity and values. No task is off limits for you.

You are humble and prioritize the success of the team over your own with an eagerness to help those around you

You don't shy away from challenges and have the ability to bounce back from setbacks

What you'll do and what success looks like in this role:

Assist in daily collection activities and follow up collection actions with good knowledge in bankruptcy and IVA claim procedure

Analyze overdue customer's status & reporting

Communicate with external vendor for completing invoice & checking

Handle internal documentation and supporting work

Communicate with China Team staff

What is required and what we're looking for:

F5 above with minimum 1 year working experience

Experience in personal loans industry is an advantage

Good communication and telephone conversation skills

Familiar with MS Office (Word, Excel)

WeLab perks:

Competitive salary

Learning and development stipend, because we value lifelong learning and believe the best way to invest in our employees is to encourage them to continue to learn

Work hard and laugh lots (chicken wings and french toast, etc.) with a high-performing, fun and diverse team

Weekly afternoon teas and fully stocked fridge

Coffee stipend

Conveniently located office surrounded by diverse and delicious lunch options

Lively office with gaming consoles and a ping pong table

Fun extracurricular activities with your colleagues like hiking, yoga, badminton, wine tasting, dragon boat racing, rock climbing, etc.

Employee referral bonuses

WeLab's Awards & Recognitions

Asia Banking Finance Retail Banking Awards: Virtual Bank of the Year - Hong Kong

CNBC Disruptor 50: the only Hong Kong-based company on the list

Financial Times Asia-Pacific High-Growth Companies: #2 in ranking

The Chinese University of Hong Kong "Corporate Innovation Index": #1 in ranking

We offer competitive salary package to the successful candidate. If you are interested in joining this exciting team, please submit your resume to us via the button "APPLY NOW" below.

All information provided by applicants will be used for recruitment purposes only. Information of unsuccessful applicants will be destroyed within 12 months of receipt.

All applications applied through our system will be delivered directly to the advertiser and privacy of personal data of the applicant will be ensured with security.

Full-time

Incorporated in 1990 as a pioneer in the local outsourcing business, Epro Telecom is one of the largest contact centres in the market. We provide complete solutions on multi-media contact centre ranging from 24x7 Inbound and Outbound Services, experience-based Contact Centre System application as well as full scale Training and Consultation Service support.

To cope with our rapid business expansion, we are currently looking for candidate with suitable caliber to fill up the following position.

To learn more about Epro Telecom, please visit our website

Job Responsibilities:

To assistant in the daily operation of the collection management sub-unit (CM Sub-unit);

To manage the collection stores on-site and off-site, e.g. tidy up and house-keep the storage, check storage facilities, monitor and take record photos of repairs and maintenance works provided by other parties;

To assist in the relocation exercise of collection stores or premises;

To stocktake and surprise inspection of collections, eg. retrieve, handle and move, return and shelving of museum collections heavy or tiny;

To handover museum collections between CM Sub-unit and other parties;

To prepare or check data in the Museum Collection Management System (MCMS);

To prepare object lists, labels and packing materials, record and updates object information;

To check inventory of CM Sub-unit;

To handle other clerical tasks, e.g.photocopying, scanning, printing, binding and/or delivery of documents, venus setting for daily operation;

Requirements

A Bachelor Degree Holder (Any discipline);

At least one year working experience preferably. Experience in warehouse and logistics management, stock keeping or data preparation, handling artefacts, record management in museum or cultural institutions of LCSD is an advantage;

Proficient both in written and spoken Chinese and English;

Proficient in MS Office applications in particular for Word and Excel;

Good knowledge in Chinese word processing;

About the job

Contract Period: 1 year contract (Renewable)

Salary per hour: HKD per hour

Working time: Normally hours (5-day work / Working overtime or on Saturday, Sunday and Public Holidays may be required)

Working Location: Major in Hong Kong Museum of History (HKMH) and other premises upon the request of HKMH

Interested parties, please forward your full resume to Epro Telecom Services Limited by clicking "Apply Now".

Personal data collected will be kept confidential and used only for recruitment purpose. Applicants who are not contacted within 6 weeks may consider their applications unsuccessful. All data will be destroyed after completed the applications processing.

Contract

This job is with Standard Chartered Bank, an inclusive employer and a member of myGwork – the largest global platform for the LGBTQ+ business community. Please do not contact the recruiter directly.
Responsibilities

• Develop and implement effective collection strategies for IDRP (Industry Debt Restructuring Program) and design standardized operation procedures and internal workflows of IDRP programme, coordinate with both internal and external stakeholders.
• Good command of credit and financial analysis capacity, to support IDRP case execution and inter-institutional coordination.
• Lead the team to implement end-to-end process on IDRP proposal when SCB acts lead bank.
• Actively support across function within Collections team as cross back-up or job rotation as requested by team manager.
• To back up internal team regarding the IDRP handling when SCB acts participant bank.
• Ensure good control mechanisms are in place and to ensure complied with Code of Banking Practice and the Bank's standard.
• To identify and execute workflow re-engineering processes and simplify.
• To ensure capacity planning in good order with objectives of less credit losses and more recovery.
• Assist manager to ensure good control mechanisms are in place and ensure satisfactory audit clearance and operational assurance.
• To ensure / improve operations effectiveness and KPIs.
• To identify and execute workflow re-engineering processes.
• Organize comprehensive financial analysis and debt servicing capacity assessment of debtors.
• Manage team to well proceed IDRP drawdown in accordance with approval and maintain database in accurate and timely manner.
• Lead the formulation of debt restructuring proposals and facilitating consensus among creditors.
• Drive internal approval processes and regulatory reporting for restructuring plans.
• Manage the collection of repayment funds and distributing proceeds to creditors according to agreed proportions.
• Continuously monitor debtor performance and regularly reporting progress to stakeholders.
• To ensure compliance with Group and Local policies, procedures, and codes, including anti-money laundering.
• To ensure compliance with Local Laws and Regulations that the Risk Function have Risk Control ownership, as defined in the Operational Risk Framework.

Risk Management

• Display exemplary conduct and live by the Group's Values and Code of Conduct.
• Take responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank, this includes understanding and ensuring compliance with, in letter Assist to strengthen team capacity and continue engagement with people.
• Enhance communication within and among team across Retail Risk Organizations as well as other internal stakeholders and external stakeholders.
• all applicable laws, regulations, guidelines and the Group Code of Conduct.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
• To ensure that the risks arising from litigation, environmental claims, regulatory censure, or potential reputational loss are minimized.

Qualifications

• Education University degree
• Languages English, Cantones

Role Specific Technical Competencies

• Data Science
• Manage Conduct
• Manage Operational and Reputation Risk
• Manage People
• Stakeholder Management

About Standard Chartered
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. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. 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. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together We

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What We Offer
In line with our Fair Pay Charter,
we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• 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), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.

Responsibilities

• Develop and implement effective collection strategies for IDRP (Industry Debt Restructuring Program) and design standardized operation procedures and internal workflows of IDRP programme, coordinate with both internal and external stakeholders.
• Good command of credit and financial analysis capacity, to support IDRP case execution and inter-institutional coordination.
• Lead the team to implement end-to-end process on IDRP proposal when SCB acts lead bank.
• Actively support across function within Collections team as cross back-up or job rotation as requested by team manager.
• To back up internal team regarding the IDRP handling when SCB acts participant bank.
• Ensure good control mechanisms are in place and to ensure complied with Code of Banking Practice and the Bank's standard.
• To identify and execute workflow re-engineering processes and simplify.
• To ensure capacity planning in good order with objectives of less credit losses and more recovery.
• Assist manager to ensure good control mechanisms are in place and ensure satisfactory audit clearance and operational assurance.
• To ensure / improve operations effectiveness and KPIs.
• To identify and execute workflow re-engineering processes.
• Organize comprehensive financial analysis and debt servicing capacity assessment of debtors.
• Manage team to well proceed IDRP drawdown in accordance with approval and maintain database in accurate and timely manner.
• Lead the formulation of debt restructuring proposals and facilitating consensus among creditors.
• Drive internal approval processes and regulatory reporting for restructuring plans.
• Manage the collection of repayment funds and distributing proceeds to creditors according to agreed proportions.
• Continuously monitor debtor performance and regularly reporting progress to stakeholders.
• To ensure compliance with Group and Local policies, procedures, and codes, including anti-money laundering.
• To ensure compliance with Local Laws and Regulations that the Risk Function have Risk Control ownership, as defined in the Operational Risk Framework.

Risk Management

• Display exemplary conduct and live by the Group's Values and Code of Conduct.
• Take responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank, this includes understanding and ensuring compliance with, in letter Assist to strengthen team capacity and continue engagement with people.
• Enhance communication within and among team across Retail Risk Organizations as well as other internal stakeholders and external stakeholders.
• all applicable laws, regulations, guidelines and the Group Code of Conduct.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
• To ensure that the risks arising from litigation, environmental claims, regulatory censure, or potential reputational loss are minimized.

Qualifications

• Education University degree
• Languages English, Cantones

Role Specific Technical Competencies

• Data Science
• Manage Conduct
• Manage Operational and Reputation Risk
• Manage People
• Stakeholder Management

About Standard Chartered
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. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. 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. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together We

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What We Offer
In line with our Fair Pay Charter,
we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• 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), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.

RESPONSIBILITIES

•    Develop and implement effective collection strategies for IDRP (Industry Debt Restructuring Program) and design standardized operation procedures and internal workflows of IDRP programme, coordinate with both internal and external stakeholders. 

•    Good command of credit and financial analysis capacity, to support IDRP case execution and inter-institutional coordination.

•    Lead the team to implement end-to-end process on IDRP proposal when SCB acts lead bank.

•    Actively support across function within Collections team as cross back-up or job rotation as requested by team manager.

•    To back up internal team regarding the IDRP handling when SCB acts participant bank.

•    Ensure good control mechanisms are in place and to ensure complied with Code of Banking Practice and the Bank's standard.

•    To identify and execute workflow re-engineering processes and simplify.

•    To ensure capacity planning in good order with objectives of less credit losses and more recovery.

•    Assist manager to ensure good control mechanisms are in place and ensure satisfactory audit clearance and operational assurance.

•    To ensure / improve operations effectiveness and KPIs.

•    To identify and execute workflow re-engineering processes.

•    Organize comprehensive financial analysis and debt servicing capacity assessment of debtors.

•    Manage team to well proceed IDRP drawdown in accordance with approval and maintain database in accurate and timely manner.

•    Lead the formulation of debt restructuring proposals and facilitating consensus among creditors.

•    Drive internal approval processes and regulatory reporting for restructuring plans.

•    Manage the collection of repayment funds and distributing proceeds to creditors according to agreed proportions. 

•    Continuously monitor debtor performance and regularly reporting progress to stakeholders.

•    To ensure compliance with Group and Local policies, procedures, and codes, including anti-money laundering.

•    To ensure compliance with Local Laws and Regulations that the Risk Function have Risk Control ownership, as defined in the Operational Risk Framework.

Risk Management

•    Display exemplary conduct and live by the Group's Values and Code of Conduct.

•    Take responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank, this includes understanding and ensuring compliance with, in letter Assist to strengthen team capacity and continue engagement with people.

•    Enhance communication within and among team across Retail Risk Organizations as well as other internal stakeholders and external stakeholders.

•    all applicable laws, regulations, guidelines and the Group Code of Conduct.

•    Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

•    To ensure that the risks arising from litigation, environmental claims, regulatory censure, or potential reputational loss are minimized.

Qualifications

•    Education     University degree

•    Languages     English, Cantones

Role Specific Technical Competencies

• Data Science
• Manage Conduct
• Manage Operational and Reputation Risk
• Manage People
• 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. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. 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. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together we:

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• 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), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.

Job ID: 41880

Location: Kwun Tong, HK

Area of interest: Operations

Job type: Regular Employee

Work style: Office Working

Opening date: 13 Oct 2025

RESPONSIBILITIES

• Develop and implement effective collection strategies for IDRP (Industry Debt Restructuring Program) and design standardized operation procedures and internal workflows of IDRP programme, coordinate with both internal and external stakeholders.
• Good command of credit and financial analysis capacity, to support IDRP case execution and inter-institutional coordination.
• Lead the team to implement end-to-end process on IDRP proposal when SCB acts lead bank.
• Actively support across function within Collections team as cross back-up or job rotation as requested by team manager.
• To back up internal team regarding the IDRP handling when SCB acts participant bank.
• Ensure good control mechanisms are in place and to ensure complied with Code of Banking Practice and the Bank's standard.

• To identify and execute workflow re-engineering processes and simplify.

• To ensure capacity planning in good order with objectives of less credit losses and more recovery.

• Assist manager to ensure good control mechanisms are in place and ensure satisfactory audit clearance and operational assurance.
• To ensure / improve operations effectiveness and KPIs.

• To identify and execute workflow re-engineering processes.

• Organize comprehensive financial analysis and debt servicing capacity assessment of debtors.

• Manage team to well proceed IDRP drawdown in accordance with approval and maintain database in accurate and timely manner.
• Lead the formulation of debt restructuring proposals and facilitating consensus among creditors.
• Drive internal approval processes and regulatory reporting for restructuring plans.
• Manage the collection of repayment funds and distributing proceeds to creditors according to agreed proportions.
• Continuously monitor debtor performance and regularly reporting progress to stakeholders.
• To ensure compliance with Group and Local policies, procedures, and codes, including anti-money laundering.
• To ensure compliance with Local Laws and Regulations that the Risk Function have Risk Control ownership, as defined in the Operational Risk Framework.

Risk Management

• Display exemplary conduct and live by the Group's Values and Code of Conduct.
• Take responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank, this includes understanding and ensuring compliance with, in letter Assist to strengthen team capacity and continue engagement with people.
• Enhance communication within and among team across Retail Risk Organizations as well as other internal stakeholders and external stakeholders.
• all applicable laws, regulations, guidelines and the Group Code of Conduct.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
• To ensure that the risks arising from litigation, environmental claims, regulatory censure, or potential reputational loss are minimized.

Qualifications

• Education University degree
• Languages English, Cantones

Role Specific Technical Competencies

• Data Science
• Manage Conduct
• Manage Operational and Reputation Risk
• Manage People
• Stakeholder Management

About Standard Chartered

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. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. 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. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together we:

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What we offer

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• 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), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.

Job ID: 41465

Location: Kwun Tong, HK

Area of interest: Operations

Job type: Regular Employee

Work style: Office Working

Opening date: 8 Oct 2025

JOB SUMMARY

The collection strategy and Governance team is a centre of excellence and is integral to the collection team in implementation of sustainable collections and recovery operations to deliver on operational and loss performance, productively, outstanding rationalization and controls.

Be part of a team that continues to find ways to enhance of collections and recovery capability and the driving of optimization and efficiency. We endeavour to balance between technical capability and business understanding to identify opportunities and find solutions.

RESPONSIBILITIES

Strategy

• Consistently explore opportunities to improve controls in operational procedures and ensure agreed changes be implemented.
• Review process and strategy design on a period basis and locate areas to improve in line with local regulations and the Bank policies and procedures.

Governance

• Implement the Operational Risk Framework ("ORF") as planned and on a timely basis; and proactively and rigorously evaluate ORF controls whenever there are changes to high and medium risk processes. Continuously improve collection processes to control and mitigate operational risks.
• Ensure all the collections procedures and activities are in line with regulatory requirement and internal policies.
• Work a liaison with Country Compliance and Group Collections to address inquiries from the team in a timely manner.
• Follow through audit requirements, findings and action items, if any.
• Perform timely gap analysis between group policies and country processes, and prepare dispensations, if required, with rationales and compensating controls, and seek approvals from authorized approvers.
• Ensure all dispensations from group policies and procedures be reviewed, renewed or discarded in a timely manner.
• Organize periodic sessions for both HK and SZ collection to ensure a good level of awareness of critical governance requirement including group and country policies, local regulations, and their backgrounds.

Business

• Handle customer complaints in a timely manner by engaging with different stakeholders.
• Use lesion learnt from complaints to improve the processes and controls.
• Report to management customer complaint volume on a timely basis.

Processes

• Maintain the departmental; operation instructions, and ensure the documents be reviewed and updated by process owners in a timely manner.
• Ensure the authorities delegated by Country Head of Collections be timely documented, reviewed and updated as and when required or at least once a year.
• Ensure new joiners complete mandatory training on conduct, and collections dos and don'ts.
• Perform periodic on-site reviews on third parties including both collections and legal vendors to ensure risk associated with the third parties are identified and mitigated.

Risk Management

• Carry out Business Impact Analysis to identify and critical business activities of the department
• Develop Business Continuity Plan (BCP) to ensure that the critical activities with be continued in the event of crisis, which results in the unavailability of office premises.
• Continuously monitor any changes impacting the integrity of the BCP, and update it where necessary.
• Raise the awareness of all staff members at Collections and Recoveries the importance of BCP.
• Coordinate exercise to validate the BCPO resources meet the business requirements

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, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
• Lead the Hongkong CPBB Risk – Collections Governance to achieve the outcomes set out in the Bank's Conduct Principles: (Bank's Conduct Principles: Fair Outcomes for Clients; Financial Crime Compliance; The Right Environment, Dos and Don'ts, Group Collection Standard, Code of Banking Practice, Code of Conduct on Consumer Credit Data

Key Stakeholders

Internal

• Business
• Credit Operations
• Control Assessment & Assurance/Management Information & Forecast
• Credit Policy & Portfolio Risk, Secured Lending
• Credit Policy & Portfolio Risk, Business Banking
• Credit Policy & Portfolio Risk, Unsecured
• Retail Operations
• HR
• Legal & Compliance
• Customer Experience
• CCC Feedback
• GIA

External

• Auditors
• Regulators
• Lawyer's – Litigation matter's
• External Collection – Agencies

Other Responsibilities

• Embed Here for good and Group's brand and values in Hongkong CPBB Risk - Collections; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions (double hats)

Our Ideal Candidate

Education - Bachelor's degree in Business Administration, Finance, Economics, Risk Management, or a related field.

Training - Experience of HKIB-ACRM is PREFERRABLE

Language

• Cantonese, Mandarin and English
• Strong communication, analytical, problem-solving, and interpersonal skills.
• Knowledge of the bank's operational processes and systems is preferable.
• Experience in Change Delivery
• Prior experience in a governance and/or collections support role is an added advantage.

Languages - Cantonese, Mandarin and English

Role Specific Technical Competencies

• Data Science & Analytics
• Project Management
• Risk Management

About Standard Chartered

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. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. 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. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together we:

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What we offer

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• 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), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.

JOB SUMMARY

The collection strategy and Governance team is a centre of excellence and is integral to the collection team in implementation of sustainable collections and recovery operations to deliver on operational and loss performance, productively, outstanding rationalization and controls.

Be part of a team that continues to find ways to enhance of collections and recovery capability and the driving of optimization and efficiency. We endeavour to balance between technical capability and business understanding to identify opportunities and find solutions.

RESPONSIBILITIES

Strategy

•    Consistently explore opportunities to improve controls in operational procedures and ensure agreed changes be implemented.

•    Review process and strategy design on a period basis and locate areas to improve in line with local regulations and the Bank policies and procedures.

Governance

•    Implement the Operational Risk Framework ("ORF") as planned and on a timely basis; and proactively and rigorously evaluate ORF controls whenever there are changes to high and medium risk processes. Continuously improve collection processes to control and mitigate operational risks.

•    Ensure all the collections procedures and activities are in line with regulatory requirement and internal policies.

•    Work a liaison with Country Compliance and Group Collections to address inquiries from the team in a timely manner.

•    Follow through audit requirements, findings and action items, if any.

•    Perform timely gap analysis between group policies and country processes, and prepare dispensations, if required, with rationales and compensating controls, and seek approvals from authorized approvers.

•    Ensure all dispensations from group policies and procedures be reviewed, renewed or discarded in a timely manner.

•    Organize periodic sessions for both HK and SZ collection to ensure a good level of awareness of critical governance requirement including group and country policies, local regulations, and their backgrounds.

Business

•    Handle customer complaints in a timely manner by engaging with different stakeholders.

•    Use lesion learnt from complaints to improve the processes and controls.

•    Report to management customer complaint volume on a timely basis.

Processes

•    Maintain the departmental; operation instructions, and ensure the documents be reviewed and updated by process owners in a timely manner.

•    Ensure the authorities delegated by Country Head of Collections be timely documented, reviewed and updated as and when required or at least once a year.

•    Ensure new joiners complete mandatory training on conduct, and collections dos and don'ts.

•    Perform periodic on-site reviews on third parties including both collections and legal vendors to ensure risk associated with the third parties are identified and mitigated.

Risk Management

•    Carry out Business Impact Analysis to identify and critical business activities of the department

•    Develop Business Continuity Plan (BCP) to ensure that the critical activities with be continued in the event of crisis, which results in the unavailability of office premises.

•    Continuously monitor any changes impacting the integrity of the BCP, and update it where necessary.

•    Raise the awareness of all staff members at Collections and Recoveries the importance of BCP.

•    Coordinate exercise to validate the BCPO resources meet the business requirements

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, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.

•    Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

•    Lead the Hongkong CPBB Risk – Collections Governance to achieve the outcomes set out in the Bank's Conduct Principles: (Bank's Conduct Principles: Fair Outcomes for Clients; Financial Crime Compliance; The Right Environment, Dos and Don'ts, Group Collection Standard, Code of Banking Practice, Code of Conduct on Consumer Credit Data

Key Stakeholders

Internal

•    Business

•    Credit Operations

•    Control Assessment & Assurance/Management Information & Forecast

•    Credit Policy & Portfolio Risk, Secured Lending

•    Credit Policy & Portfolio Risk, Business Banking

•    Credit Policy & Portfolio Risk, Unsecured

•    Retail Operations

•    HR

•    Legal & Compliance

•    Customer Experience

•    CCC Feedback

•    GIA

External

•    Auditors

•    Regulators

•    Lawyer's – Litigation matter's

•    External Collection – Agencies

Other Responsibilities

•    Embed Here for good and Group's brand and values in Hongkong CPBB Risk - Collections; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions (double hats)

Our Ideal Candidate

Education - Bachelor's degree in Business Administration, Finance, Economics, Risk Management, or a related field. 

Training - Experience of HKIB-ACRM is PREFERRABLE

Language

•    Cantonese, Mandarin and English 

•    Strong communication, analytical, problem-solving, and interpersonal skills.

•    Knowledge of the bank's operational processes and systems is preferable.

•    Experience in Change Delivery

•    Prior experience in a governance and/or collections support role is an added advantage.

Languages - Cantonese, Mandarin and English

Role Specific Technical Competencies

•    Data Science & Analytics

•    Project Management

•    Risk 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. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. 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. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together we:

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• 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), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.