Loan Advisor

• Feb 2022 - Present

VP Collection Business Risk Control Management and Collection Support

• Sep 2013 - Nov 2019

I directed full spectrum implementation of the HSBC Operational Risk Framework across the entire Collection Department. Part of the role involved defining the overall strategies and performance measures, rolling out effective action plans as well as advocating respective management to serve as the first line of defense in controlling and mitigating operational risks. This included overseeing SOPs formulation, compliance and governance, control systems setup, financial and… Show more I directed full spectrum implementation of the HSBC Operational Risk Framework across the entire Collection Department. Part of the role involved defining the overall strategies and performance measures, rolling out effective action plans as well as advocating respective management to serve as the first line of defense in controlling and mitigating operational risks. This included overseeing SOPs formulation, compliance and governance, control systems setup, financial and operational performance monitoring, Besides that, I also provided sound advice to the management on various risk issues influencing high level business decisions while strengthening due diligence to protect against undue exposure to unnecessary or unmitigated risks. Other than that, I … - Drove comprehensive evaluation of risk and control as well as identification of operational risks while establishing the Internal Control Management Plan. - Worked closely with the Collection Team in executing effective collection processes while managing Quality Assurance Team in ensuring compliance to the processes. - Monitored and ensured strict adherence to the policies and regulations of the Central Bank and Otoritas Jasa Keuangan. In the areas of knowledge management, I shared lessons learnt while providing coaching and mentoring to the team in enhancing respective knowledge as well as competencies. Lastly, I conducted review of internal checklists and closure of previous audit’s findings to ensure excellent audit readiness.

VP Collection Outregion & Back Office

• Nov 2012 - Sep 2013

Here, I spearheaded end to end national collection administration support towards achieving set collection targets. This included overseeing mortgage collection processes, collection agency support, complaints management along with enquiries handling. Besides that, I also formulated standard operating procedures and workflows while monitoring the performance of the team. Other key accountabilities included: - Planned and managed the tele-calling collection activities in… Show more Here, I spearheaded end to end national collection administration support towards achieving set collection targets. This included overseeing mortgage collection processes, collection agency support, complaints management along with enquiries handling. Besides that, I also formulated standard operating procedures and workflows while monitoring the performance of the team. Other key accountabilities included: - Planned and managed the tele-calling collection activities in ensuring compliance with the Call Model Framework. - Led the identification and execution of process enhancement initiatives. - Drove training and development initiatives towards improving the overall performance.

VP Collection Improvement Process, Retail Banking

• Feb 2010 - Nov 2012

During this tenure, I championed the conceptualization and implementation of an array of improvement projects to elevate the overall collection performance in accordance with industry best practices. Besides that, I led the planning, execution and monitoring of the collection agency support system enhancement, collection letters and policy adjustments in line with the Central Bank’s regulations. Lastly, I also monitored the QA team for Call Model quality control while establishing… Show more During this tenure, I championed the conceptualization and implementation of an array of improvement projects to elevate the overall collection performance in accordance with industry best practices. Besides that, I led the planning, execution and monitoring of the collection agency support system enhancement, collection letters and policy adjustments in line with the Central Bank’s regulations. Lastly, I also monitored the QA team for Call Model quality control while establishing the collection Business Contingency Plan (BCP) and monitoring collection complaints.

AVP / VP Collection, Personal Loan and Consumer Finance

• Jan 2004 - Feb 2010

I was promoted to lead and manage the Tele-calling and Ex-Staff Loan Collection teams in executing end to end collection operations for the Early Stage and Mid-Range card products towards delivering set collection target. This involved developing the collection strategies and setup the collection policy while ensuring excellent performance at all times. Lastly, I trained and expanded the team’s capabilities to cover collections for personal loans and consumer finance loans.

Credit & Risk / Collection Manager, Retail Banking

• Nov 2001 - Jan 2004

During this tenure, I managed collection operations for card products and ex-staff loans to maximize collections while reducing delinquency rates. Other that rolling out effective collection policies to minimize credit losses, I also recruited, trained and expanded the collection team while developing and enhancing the capabilities of the team in meeting the needs of business growth.

Credit and Risk Manager, Retail Banking

• May 2001 - Nov 2001

I was recruited to pioneer and manage the Credit Approval team for the newly launched HSBC Car Loan products including credit policy formulation. Additionally, I liaised with multiple finance companies for car loan initiations and joint-operations.

Credit Approval Manager

• Mar 1995 - May 2001

During this tenure, I led the Credit Analyst team in evaluating and delivering credit decisions for discretionary lending for clean and unsecured loans, mortgages, cash back, car loans and refinancing. Besides that, I reviewed credit facilities while acquiring new businesses as well as cementing strong relationship with Priority Banking clients. During this tenure, I led the Credit Analyst team in evaluating and delivering credit decisions for discretionary lending for clean and unsecured loans, mortgages, cash back, car loans and refinancing. Besides that, I reviewed credit facilities while acquiring new businesses as well as cementing strong relationship with Priority Banking clients.

Senior Assistant Manager in Marketing

• Jan 1995 - May 1995

I was hired to perform marketing and promotion of Home Financing and Refinancing products. This included preparing credit analysis for loan applications and establishing relationships with real-estate developers. I was hired to perform marketing and promotion of Home Financing and Refinancing products. This included preparing credit analysis for loan applications and establishing relationships with real-estate developers.

Account Officer - Marketing Officer - Retail Credit Dept. Head

• Jan 1991 - Jan 1995

I started out my career tasked to originate, service and collect an array of SME as well as commercial loans in line with the Bank’s standard for safety and soundness. Additionally, I developed and strengthened relationship with customers. I started out my career tasked to originate, service and collect an array of SME as well as commercial loans in line with the Bank’s standard for safety and soundness. Additionally, I developed and strengthened relationship with customers.