上海招聘

职位描述：
As a Collections Specialist, you will be responsible for collections on overdue, delinquent & high risk accounts, maintaining good customer relations with borrowers and effectively solving problems to prevent losses. It is expected that you will become a subject matter expert through collaboration with your global peer group and a thorough understanding of local market collections strategies. Effective communication with senior management and CDF China Risk team members is required, with prompt escalations and proposed solutions, where appropriate. Works closely with Underwriting, Commercial and Portfolio Management teams to ensure compliance with Corporate Policy and resolution of operational issues.

Requirements:
? Conducting early conversations with customers regarding resolution of delinquency and education of contractual terms and obligations.
? Maintaining up-to-date customer contact information in the system of record.
? Initiate collections calls to customers to obtain full repayment for amounts overdue while demonstrating good customer service skills.
? Effective collaboration with Risk and Commercial team members to drive the collection of payment for past due principal amounts, charges, sold and unpaid units, mature items and other items due for payment such as demonstrator units.
? Evaluating customers' financial situations and negotiating for full repayment or creating terms for repayment.
? Negotiating account resolution with customers and accurately inputting and documenting actions and conversations within the system of record while maintaining company performance and productivity standards.
? Escalate non-payment issues on delinquent & high risk accounts to appropriate stakeholders.
? Ownership of problem loan reporting and articulating problem loan situation and action plan to senior management.
? Researching account payment histories, collateral protection insurance and misapplied payments.
? Assist in coordinating repossessions and collateral reclamations, where appropriate.
? Manage & administer initial legal / litigation process with close liaison with internal and external legal counsel as required. Commencement of enforcement action in line with an approved recovery strategy.
? Build awareness and experience of credit insurance as a key risk mitigant. Liaising with Credit Insurers to manage problem account situations to a satisfactory and successful outcome. Ensuring Reporting and other Policy compliance requirements are fully met.
? Build relationships and coordinate with global subject matter experts and team members so that CDF collections procedures are documented, shared and consistent with the local market and global best-practices.
Essential Qualifications
 
  
? At least two years Collections experience is required preferably in a Commercial collections environment.
? Knowledge of Credit legislation, Privacy Laws & other relevant legislation & guidelines.
? Ability to learn from more senior team members and assist junior colleagues
? Ability to recognize deteriorating loan performance
? Excellent communication skills; both oral and written
? Ability to influence, establish & maintain cooperative working relationships with internal & external clients
? Ability to exercise independent judgment consistent with company guidelines
? Strong teamwork values and strong work ethic and commitment
? Professional customer / associate / colleague relationship skills
? Multi-skilled and versatile with ability to manage multiple tasks
? Ability to work proactively to solve problems and work independently
? Able to work under tight schedules to a high quality and consistently meet objectives.
? Proficient in MS Office Suite (Word, Excel, PowerPoint) programs
? Readily able to adapt to using business tools to support role e.g. Salesforce.com, Business Objects, AIMS, PCS.
? Work within the framework of company regulations ensuring compliance at all times
? Ability to stay abreast of market and portfolio trends and industry best practices
? Fluency in Mandarin (critical) & English (strongly preferred)
? Flexibility to travel throughout China as required.
 
 
Desirable Qualifications
  
? A bachelor’s degree, preferably in Finance, Accounting or Business



Team members support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit’s risk appetite and all risk and compliance program requirements.

About Wells Fargo
Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $2.0 trillion in assets. Founded in 1852 and headquartered in San Francisco, Wells Fargo provides banking, insurance, investments, mortgage, and consumer and commercial finance through more than 8,500 locations, 13,000 ATMs, the internet (wellsfargo.com) and mobile banking, and has offices in 42 countries and territories to support customers who conduct business in the global economy. With approximately 273,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 25 on Fortune’s 2017 rankings of America’s largest corporations. Wells Fargo’s vision is to satisfy our customers’ financial needs and help them succeed financially. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.
Wells Fargo Commercial Distribution Finance (CDF) is the trade name for certain commercial distribution and inventory financing services of Wells Fargo & Company (WFC) and its subsidiaries including Wells Fargo International Finance, LLC (WFIF) (collectively, CDF). WFIF is a subsidiary of WFC.

Established in 2012, Wells Fargo CDF Commercial Factoring Co., Ltd., the wholly owned enterprise of Wells Fargo Group, is the first commercial factoring company registered in Tianjin since the approval of factoring pilot zone in the city. Leveraging Wells Fargo’s expertise around the globe, also in conjunction with our understanding and dedication towards factoring industry development in China, we are committed to provide the best commercial distribution finance services to serve customer’s growth needs in China.
In partnership with Wells Fargo CDF, vendor clients can reduce DSO, minimize credit loss exposure, reduce collection resources and increase sales. Our support of the vendor clients provides significant credit and liquidity benefits to their dealer channels allowing the dealers to drive sales growth & enhance cash flow by minimizing inventory investments.
CDF provides its customers services and values beyond financing: it brings committed and knowledgeable relationship management, deep industry knowledge/expertise and best practices. Especially the best practices in fields like growth and operating efficiency, industry trends and leadership and people. Customers can not only get financing programs that suit their needs for business growth, but also series of services that are in favor of their long-term development.

Disclaimer
Wells Fargo CDF Commercial Factoring (China) Company Limited, a company duly established in the People’s Republic of China, is a subsidiary of Wells Fargo & Company. Wells Fargo CDF Commercial Factoring (China) Company Limited is not licensed or regulated by the China Banking Regulatory Commission (CBRC) as a commercial bank in the People’s Republic of China.
富国商通融商业保理有限责任公司是富国集团公司的附属公司，依法正式成立于中华人民共和国。其在中国內並非商业银行因而不受中国银行业监督管理委员会（银监会）的执照影响或监管。