Daniel Yeung Email & Phone Number

Hong Kong

I) Front end and Mid range collections:Managed overdue accounts and implemented various internal strategies for handling them, including internal follow up or forwarding to DCA for further collection efforts;Managed early and delinquent accounts, offering customised repayment arrangements or SOA to help customers manage their outstanding debt;Extract and analyze voice recordings to ensure adherence to customer service standards and to remind clients of repayment obligationsII) Restructuring:Managed financially distressed and delinquent accounts through schemes such as DRP and IVA;Negotiated and developed repayment plans during the restructuring process to help customers regain financial stabilityIII) DCA management:Managed and monitored DCA performance, ensuring compliance with relevant Bank policies and regulatory requirements;Evaluated the each case performance on a case by case basis to determine whether to continue assigning accounts for collection, retaining, or recalling the accounts;Follow up DCA complaints and effectively resolved them in a timely manner;Accurately processed commission payments to DCA based on the number of accounts collected;Handled the monthly DCA Audit & Semi-Audit;Launch monthly DCA Performance MeetingIV) Legal actions and bankruptcy:Handled legal actions and communicate with internal and external party;Handled bankruptcy and deceased accounts, ensuring compliance with procedures guidelineV) Operations management:Regularly generated and analysed MI reports to track key flow rate metrics with delinquency, identify areas for improvement, and inform strategic decision making;Handled complaint cases, ensuring efficient resolution of customer issues;Responsible for TU maintenance and UAT testing to ensure smooth system operations;Proactively responded to emails from customers, internal stakeholders, and external parties, providing accurate and timely information

- Handled stock-related Corporate Action such as Cash offer and Tender offer, and forwarded them to the relevant department for further processing；- Monitored accounts in real-time to identify margin call situations and promptly remind customers to settle outstanding amounts if necessary;- Ensured branch colleagues adhered to group requirements by monitoring their daily actions, including call monitoring, reviewing branch reports, monitoring cash flow in/out, and conducting physical stock take out/deposit;- Prepared daily/monthly reports for manager review, verifying that the recorded daily cash flow and stock movement matched the actual transactions;- Managed and promptly followed up on the stock quote system for client accounts.

I) Liaise with solicitors, financial institutions regarding recovery actions:Collaborate and communicate with solicitors and financial institutions to coordinate and execute recovery actions for delinquent accounts;Facilitate discussions and negotiations to find optimal solutions for debt recoveryII) Loan Restructuring:Analyze problem accounts and assess their credit risk to determine the feasibility of loan restructurings, including DRP or IDRP;Develop comprehensive loan restructuring proposals that adhere to internal guidelines and obtain the necessary approvalsIII) Loan Processing and Documentation:Thoroughly review loan applications and associated documentation provided by customers;Verify the accuracy and completeness of the documentation, ensuring compliance with regulatory requirements and internal policies;Evaluate the financial viability and repayment capacity of applicants to make informed decisions on loan approvalsIV) Financial Transactions and Settlements:Prepare and process internal billings, debt notes and central settlements, ensuring timely and accurate transactions between different entities within the organization.V) Maintain and update bank system records in a timely and accurate mannerVI) Handle and follow through on the problem loan portfolio and customer enquiriesVII) Verify general ledger batch accounts, prepare routine reports, and complete financial returns for other financial institutions

Assisted the Manager in the preparation of regular management reports and presentations on asset quality;Conducted analysis and credit reviews of credit card and consumer loan portfolios, ensuring compliance with risk management policies;Actively participated in the formulation and revision of credit control policies and procedures, contributing to the improvement of risk management practices;Played a key role in UAT, system conversion, enhancement and development, ensuring the smooth implementation of new systems and functionality;Liaised effectively with internal and external partners to keep abreast of system requirements and drive continuous improvement initiatives