About the client
Our client is a leading bank in the financial services sector, serving a diverse portfolio of commercial, SME and secured finance borrowers. They are seeking an experienced recovery and credit specialist to manage and reduce non-performing loan (NPL) exposure across Commercial, SME and Small Finance / Secured Growth (SFGS) lending portfolios.
Role overview
End-to-end NPL management for SME, commercial and SFGS loans, including credit assessment, workout strategies, enforcement actions and preparation of recovery proposals and reports.
Key responsibilities
- Manage a portfolio of SME, commercial and SFGS NPLs to improve recoveries and reduce NPLs.
- Prepare credit and recovery proposals, including security enforcement, provisioning and recommended workout or charge-off actions.
- Negotiate restructurings and repayment plans with borrowers and coordinate external parties (solicitors, collection agencies, valuers).
- Oversee collateral enforcement, sale of assets and disposal of repossessed items where necessary.
- Track and report recovery progress; produce data‑driven credit analysis and management updates.
- Work with Credit, Legal, Risk and Operations to ensure documentation completeness and alignment on recovery approach.
- Contribute to process improvements and mentor junior staff.
Requirements
- Degree in Banking, Finance, Law or related field preferred.
- Minimum 4 years' experience in credit risk, special assets, workouts or collections, with SME/commercial lending exposure.
- Familiarity with NPL lifecycle, collateral enforcement and legal recovery processes.
- Strong credit analysis, negotiation and stakeholder management skills.
- Fluent in English and Chinese (including Putonghua).
- Proficient in MS Office; Power BI experience preferred.
