Job Responsibilities Monitor overdue and criticized retail credit portfolios, including managing loan classification systems, individual impairment allowances, and charge-off processes Liaise with debtors regarding repayment schedule negotiations and debt-restructuring arrangements Develop recommendations for legal proceedings or assignments to external debt collection agencies when necessary Manage the collection performance of Debt Collection Agencies Regularly report debt collection progress and repossessed property disposal status to the Department Head Prepare credit risk reports and regulatory submissions to monitor asset quality and support credit risk analytics (e.g. portfolio analysis) Handle administrative tasks and execute ad hoc projects as assigned Job Requirements Bachelor's degree in Finance, Risk Management, or related discipline; professional qualifications (e.g. FRM, CFA) preferred Minimum 3 years' experience in retail banking credit risk management or complaint resolution Demonstrated expertise in portfolio management techniques and analytical methodologies Proficiency in English and Chinese; Mandarin fluency strongly preferred Proactive mindset with exceptional ownership of deliverables and client-service orientation