• To manage and control all matters relating to charged-off accounts and accounts under litigation for non-performing loans by constantly reviewing collection procedures and ensuring prompt and cost effective recovery actions are taken to maximise prospects of full recovery and executes the collection strategy. To highlight and analyse credit failures in Unsecured Lending and provide lessons learnt to improve the credit approval process.

Key Responsibilities

• Manage the day -to-day collections and or recovery to ensure losses are minimised by the effective implementation of collections and Recoveries strategy.
• Review processes within collections and recoveries to identify risk and opportunities to streamline operations, improve service and minimise losses.
• Highlight and analyse credit failures to identify ways of improving the credit approval process.
• Work with solicitors throughout the litigation process to ensure optimal collection and or recovery with minimal legal cost to the bank.
• Maintain and analyse MIS statistical information relating to performance of the accounts and escalate trends for input to Product Development Process.
• Legal, regulatory, economic and compliance including the following;
• Ensure compliance with the Group’s standard and regulatory requirements pertaining to money laundering and KYC;
• Participate in and/or support the Bank’s effort to combat money laundering;
• Exercise due care and diligence on matters related to Money laundering and KYC in the day to day operations, which include account opening and reviews, transaction monitoring, reporting suspicions, customer communication, implementing new requirements, updating and revising operating procedures, acquire relevant knowledge and training, provide support to superior and subordinates.
• Strategy
• Reduction of net provision through effective collections, minimisation of Credit losses thus impact positively on profitability.
• Busines
• Contribute to loan process improvement with the following outcomes through lessons learnt;
• Improved Service & Customer Retention
• Sales Quality
• Processes
• Monitor and highlight any weaknesses in Underwriting quality through regular feedback to the underwriting team.
• Risk Management
• Ensuring adherence to laid down Risk Management practices and compliance with Credit and other relevant policies.
• 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 the Kenya Wealth & Retail Banking WRB Collections  to achieve the outcomes set out in the Bank’s Conduct Principles: [Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment.] * 
• 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 or equivalent 

Key stakeholders

• Internal
• Technology & Operations Support - Account Services, Lending Operations
• Direct Channels
• Credit Analysts – on matters relating to pursuit of collections and default management.
• Relationship Managers - on training of staff on front end collections
• External
• Lawyers 
• Insurance companies
• Collection system vendors
• Third party repossession agencies
• Solicitors and Estate agents

Other Responsibilities

• Embed Here for good and Group’s brand and values in Kenya Global Support Functions Risk WRB Collections.
• Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.

Skills and Experience

• Good negotiation and communication skills
• Credit skills
• Understads market trends and can interpret impact on the retail portfolio
• Full knowledge of retail clients Products 
• Good Computer skills with knowledge of the Credit MIS
• Strong analytical skills and attention to detail
• Basic Project management skills

Qualifications

• Graduate with at least one year experience in Credit Preferably Debt Collection