WHO WE ARE: As Singapore’s longest established bank, we have been dedicated to enabling individuals and businesses to achieve their aspirations since 1932. How? By taking the time to truly understand people. From there, we provide support, services, solutions, and career paths that meet their individual needs and desires. Today, we’re on a journey of transformation. Leveraging technology and creativity to become a future-ready learning organisation. But for all that change, our strategic ambition is consistently clear and bold, which is to be Asia’s leading financial services partner for a sustainable future. We invite you to build the bank of the future. Innovate the way we deliver financial services. Work in friendly, supportive teams. Build lasting value in your community. Help people grow their assets, business, and investments. Take your learning as far as you can. Or simply enjoy a vibrant, future-ready career. Your Opportunity Starts Here. Job Summary: Lead and manage end-to-end EmB Collections, including prevention, recovery, auctions, valuations and legal recovery processes. Drive portfolio performance and achievement of collection, recovery, SP write-back and bad debt recovery targets, while formulating and executing effective recovery strategies and ensuring timely enforcement of legal actions in accordance with the Bank's policies and procedures. Duties and Responsibilities: Lead and manage the end-to-end EmB Collections portfolio, ensuring effective management of accounts across all stages of delinquency, recovery and rehabilitation. Drive achievement of departmental targets, including portfolio quality, recovery performance, NPL levels, SP budgets, write-backs and operational KPIs. Develop and implement collection and recovery strategies, including rehabilitation, restructuring, litigation, foreclosure, collateral realisation, auctions and guarantee claims. Oversee restructuring and repayment arrangements, ensuring timely execution, monitoring and customer engagement. Manage auction, valuation and post-auction activities, including collateral management, reserve price setting, sale proceeds administration, shortfall recovery and surplus refunds. Ensure timely submission, monitoring and recovery of claims under CGC, SJPP and other guarantee programmes. Oversee litigation and legal recovery processes, including engagement with external solicitors, contested matters and foreclosure proceedings. Maintain effective control over collateral records, valuation updates, recovery systems and management reporting. Identify, drive and implement process improvements, automation initiatives and policy enhancements to improve operational efficiency and recovery outcomes. Ensure compliance with all regulatory requirements, Bank policies, information security standards, PDPA and governance requirements. Manage relationships with internal stakeholders, legal counsel, auctioneers, valuers, guarantee agencies and other external service providers. Lead, coach and develop team members, ensuring strong performance, succession planning, capability building and employee engagement. Support departmental projects, audits, regulatory reviews and strategic initiatives as assigned by management. Undertake any other responsibilities assigned by the Head of Department. Skill Sets / Experiences: Strong leadership, people management and stakeholder management capabilities. Strong analytical and problem-solving skills, with a proactive, resourceful and results-oriented mindset. Sound knowledge and practical experience in collections, recovery management and end-to-end resolution of banking products. Strong communication, negotiation and interpersonal skills, both written and verbal. Ability to build and maintain effective working relationships with solicitors, regulators, guarantee agencies and other external service providers. Good understanding of credit risk, operational risk and regulatory requirements relevant to collections and recovery operations. Ability to drive process improvements, operational efficiency and team performance. Experience & Qualifications Relevant tertiary qualification or equivalent professional certification. Minimum 8 years of relevant experience in Collections, Recovery or Credit Risk Management. Proven supervisory and people management experience is required. Experience in managing legal recovery, collateral realisation, restructuring and auction processes will be an advantage. What we offer: Competitive base salary. A suite of holistic, flexible benefits to suit every lifestyle. Community initiatives. Industry-leading learning and professional development opportunities. Your wellbeing, growth and aspirations are every bit as cared for as the needs of our customers. Let’s build the bank we need for the future we want. Find the best version of yourself in a friendly, supportive team. Build lasting value in your community. Help people grow their assets, business, and investments. Take your learning as far as you can. Or simply enjoy a vibrant, future-ready career. Your Opportunity Starts Here Introduce yourself to our recruiters and we'll get in touch if there's a role that seems like a good match. As the longest established Singapore bank, formed in 1932 from the merger of three local banks, we have grown from strength to strength to become a regional financial services group. With a deep history in Asia, we offer the most comprehensive coverage across ASEAN and Greater China, complemented with a presence in the leading economies of New York, London and Sydney. We are the second largest financial services group in Southeast Asia by assets with one of the world’s highest credit rating (Aa1 by Moody’s and AA- by both Fitch and S&P). We offer private banking services through our wholly-owned subsidiary, Bank of Singapore, which operates on a unique open-architecture product platform to source for the best-in-class products to meet its clients’ goals. Our insurance subsidiary, Great Eastern Holdings, is the oldest and most established life insurance group in Singapore and Malaysia.

Unit Head, EmB Collections.

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