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