Job Summary

Strategy
•    Independently manage individual case progress under established procedure/controls, include client communication, data updates, progress reporting, and internal coordination – thereby reducing administrative burden on senior roles and enhancing overall throughput. 
•    Actively support across function within Collections team as cross back-up or job rotation as requested by team manager.
•    To back up internal team members regarding IDRP cases follow up (SCB as participant bank).
•    Ensure good control mechanisms are in place and to ensure complied with Code of Banking Practice and the Bank’s standard.

Business
•    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.

Processes
•    Handle end-to-end IDRP application (SCB as lead bank) and liaising with customer to furnish further documents/IDRP terms.
•    Follow up with client and IDRP participant bank enquiries and requests related to the IDRP.
•    Arrange meetings with all participant creditors and to obtain participant bank proxy for IDRP proposal.
•    Ensure team to proceed IDRP drawdown/repayment/termination/deferral in accurate and timely manner.
•    Keep on-going monitoring IDRP repayments and distribute to participant banks scheduled.
•    Monitor delinquent cases hitting termination criteria to follow up with client and participant bank 
•    Maintain IDRP service fee calculation and issue invoice/collect the fees.
•    Ensure compliance with Group and Local policies, procedures, and codes, including anti-money laundering.
•    Ensure compliance with Local Laws and Regulations that the Risk Function have Risk Control ownership, as defined in the Operational Risk Framework.

Key Responsibilities

People & Talent
•    Assist to strengthen the team capacity and enhancement engagement with people
•    Work with relevant teams and People Leader to build the appropriate culture and value
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.

Governance
•    Ensure all collection policies and procedures comply with Group Policies and Standards. Assure proper and updated documentation of all in- country policies and procedures are maintained at all times.
•    To be well versed in relevant law & regulations to provide guidance in legal issues.

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.
•    Lead to achieve the outcomes set out in the Bank’s Conduct Principles 
•    Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
•    Serve as a Director of the Board 
•    Exercise authorities delegated by the Board of Directors and act in accordance with Articles of Association. 

Key stakeholders
 Internal
•    WRB Operations
•    Product
•    Risk
External
•    IDRP participant Banks
•    HKAB

Qualifications

•    Education: University Degree
•    Languages: English, Cantonese, 

Skills and Experience

•    Manage Conduct
•    Manage Operational and Reputation Risk
•    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.