Collections SME #sb

About the role

We are seeking an experienced and hands-on Senior Collections SME(L3/L4) with deep expertise in collections products (cards or loans) andthorough understanding of the end-to-end collections' lifecycle. The roleinvolves supporting functional design, driving strategic decision-making, andproviding subject matter expertise across collections initiatives. Must-Have Attributes: In-depth knowledge across collections lifecycle phases from early-stage to late-stage collections and recovery. Experience with collections products including credit cards and loan portfolios. Ability to influence functional design and provide critical business insights. Strong analytical mindset and problem-solving skills. Effective communicator with stakeholders at all levels. Familiarity with collections software and automation tools. Software Requirements: Proficiency in collections platforms and tools used in credit risk management. Competency in data analysis software such as SQL, Excel, or BI tools. Experience working with workflow automation and case management systems related to collections. Knowledge of regulatory compliance tools applicable to collections processes. Overall Responsibilities: Serve as the Subject Matter Expert for all collections-related functional requirements. Support design and configuration of collections strategies and product features. Lead analysis and interpretation of collections performance data to identify improvement areas. Collaborate with technology teams to translate business requirements into system functionalities. Provide leadership and guidance during UAT, training, and implementation phases. Ensure compliance with regulatory standards and internal risk management policies. Act as key liaison between business, risk, and technology teams. Category-wise Technical Skills: Collections Lifecycle: Early-stage collections, late-stage collections, recoveries, charge-offs. Products: Credit cards, personal loans, mortgages, auto loans. Data & Reporting: Data extraction and analysis, reporting tools, performance analytics. Systems & Tools: Collections management software, CRM, workflow automation. Compliance: Knowledge of regulatory frameworks (e.g., FDCPA, CECL, Basel regulations). Risk Management: Understanding of credit risk, delinquencies, and mitigation practices.

Requirements

• Minimum 8 years of experience in collections with hands-on exposure to cards and/or loans.
• Proven track record as a Collections SME supporting end-to-end lifecycle and system implementations.
• Experience working closely with cross-functional teams including technology, risk, and business stakeholders.
• Prior involvement in functional design, UAT, and change management in collections-related projects.
• Day-to-Day Activities:
• Analyze collections workflow and performance metrics.
• Partner with business and tech teams to define enhancements and requirements.
• Conduct root cause analysis for collection inefficiencies or issues.
• Provide subject matter expertise during project phases-design, testing, implementation.
• Support audit readiness and regulatory compliance activities.
• Facilitate knowledge sharing and training sessions for collections processes.
• Qualification & Soft Skills:
• Bachelor's degree in Finance, Business Administration, or related field. Master's degree preferred.
• Strong analytical and critical thinking abilities.
• Excellent verbal and written communication skills.
• Ability to work independently and collaboratively in a fast-paced environment.
• Strong stakeholder management and negotiation skills.
• Proactive, detail-oriented, and adaptable tochange.
• If you're interested in this role, click 'apply now' to forward an up-to-date copy of your CV, or call Shabnam at Hays on +65 60271964 or email Shabnam.Bahar@hays.com.sg for a confidential discussion. Referrals are welcome.
• Registration ID No. R1873584 | EA License number: 07C3924 | Company Registration No. 200609504D

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