Credit Collection / Remedial Specialist

Qualifications & experience

• Minimum Degree or Professional qualification in Finance, Business Administration, or a related field.
• At least 2 years of experience in credit management or debt collection, proven track record in negotiating with customers and achieving collection targets.
• Ability to work under pressure and meet deadlines with minimal supervision.
• Strong command of spoken and written English, Bahasa Malaysia, and Mandarin. Ability to speak in other dialects is an added advantage.
• Excellent interpersonal and communication skills, with a persuasive and results-driven approach.
• Proficiency in Microsoft Office applications, particularly Excel, Word, and PowerPoint.
• Meticulous with a keen eye for details, critical thinking, analytical and proactive mindset. Experience in legal review a plus.
• A mature, calm demeanor and ability to handle challenging situations independently.

Tasks & responsibilities

• Monitor and update account status records in the system and track collection efforts on delinquent accounts.
• Initiate outbound collection calls and follow-ups with customers in default to recover overdue payment.
• Provide status updates and strategic recommendations to Management on delinquent accounts.
• Communicate with customers to ensure timely payment in line with financing due dates.
• Review and assess security documents for potential recovery actions.
• Negotiate with customers for payment arrangements, restructuring, or settlements.
• Conduct site visits to issuers' business premises as necessary to assess operations and repayment capacity.
• Collaborate with stakeholders, including internal teams and external legal counsel, on recovery-related matters.
• Ensure compliance with internal guidelines, credit policies, and statutory regulations throughout the collection process. Manage stakeholder inquiries and compile stakeholder votes, when applicable.
• Identify opportunities for process improvement and contribute to the enhancement of existing procedures and tools. Handle ad-hoc tasks and responsibilities as assigned by the Head of Department, CEO, or Management. Testing new software and fixing bugs.

Benefits

• Group Employee Benefit
• Learning & Development: We offer professional development programs, sponsorship for certifications, and access to learning platforms to support your career growth.
• Inclusive Work Environment: Be a part of a diverse and inclusive workplace where your voice matters.