Credit Control, AM

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.