Collection & Recovery AM/Sen Exec – Early Warming & Acct Rehabilitation

Boost Holdings Sdn Bhd; Kuala Lumpur; On-site; MYR 60,000 - 100,000; Full time

Job summary

Boost Holdings Sdn Bhd in Kuala Lumpur seeks an AM/Sen Exec to manage the Early Warning Portfolio by identifying customers showing signs of financial deterioration and initiating early intervention strategies to minimize delinquency and losses.

The role involves monitoring repayment behaviour, CCRIS performance, external credit exposure, and conducting customer engagement, site visits, negotiations on rehabilitation or restructuring, and presenting portfolio insights to Credit committees.

Qualifications

• 3–5 years in Collections, Early Warning, Credit Monitoring, Collection knowledge, Special Assets, Business Banking or Credit Risk.
• Experience handling SME and Commercial Banking portfolios is an advantage.
• Experience negotiating restructuring & rescheduling (R&R), settlement and rehabilitation programmes.
• Experience conducting business site visits and financial assessment.
• Strong understanding of CCRIS.
• Understanding of SME financial statements.
• Knowledge of BNM Guidelines.
• Knowledge of Collection & Recovery lifecycle.

Responsibilities

• Early Warning Portfolio Management: Monitor and manage assigned EW portfolio to identify customers showing signs of financial deterioration before delinquency escalates.
• Customer Engagement & Early Intervention: Contact customers early, understand difficulties, assess repayment capability, negotiate suitable arrangements.
• Business Assessment & Site Visit: Conduct site visits, assess viability and repayment capacity, prepare reports with findings and recommendations.
• Stakeholder Management: Work with Credit Risk, Underwriting, Collections, Recovery, Legal and Business teams to implement strategies.

Skills

Analytical thinking

Negotiation

Presentation

Strong communication

Microsoft Excel

PowerPoint

Job description

Collection & Recovery AM/Sen Exec – Early Warming & Acct Rehabilitation

Responsible for managing the Bank's Early Warning Portfolio by proactively identifying customers showing signs of financial deterioration and initiating early intervention strategies to minimize delinquency migration and credit losses.

The role focuses on monitoring customers' repayment behaviour, CCRIS performance, external credit exposure, business operations, and financial condition. The incumbent will conduct customer engagement, business site visits, negotiate suitable rehabilitation or restructuring solutions, recommend early recovery strategies, and support credit risk governance through portfolio reporting and committee presentations.

This role works closely with Collection, Credit Risk, Credit Underwriting, Business Banking, Operations, Legal and senior management to improve portfolio quality and reduce future non-performing loans (NPL).

Key Responsibilities

Early Warning Portfolio Management

Monitor and manage assigned Early Warning (EW) portfolio to identify customers showing signs of financial deterioration before delinquency escalates.

Perform proactive account reviews using repayment behaviour, internal transaction data, CCRIS reports, bureau information and external credit indicators.

Identify emerging risks including adverse CCRIS trends, increasing external indebtedness, bounced payments, declining account activities and other early warning signals.

Develop account action plans to minimise migration into higher delinquency buckets.

Customer Engagement & Early Intervention

Contact customers at the earliest stage to understand financial difficulties and assess repayment capability.

Negotiate suitable repayment arrangements, restructuring and rescheduling (R&R), settlement proposals or early exit strategies.

Recommend appropriate rehabilitation solutions to maximise customer recovery while protecting the Bank's asset quality.

Escalate high-risk customers for legal, recovery or write-off consideration where necessary.

Business Assessment & Site Visit

Conduct customer business site visits where required to assess business viability, operational performance and repayment capacity.

Prepare site visit reports with findings, risk observations and recommended recovery strategies.

Monitor customers' business performance and identify deterioration that may impact repayment ability.

Review customers' CCRIS records and other available credit information regularly.

Analyse customers' financial condition, cash flow trends and repayment behaviour.

Recommend risk mitigation actions based on portfolio assessment.

Prepare portfolio analysis, risk assessment reports and management updates.

Present significant accounts, portfolio trends and recommended strategies during weekly portfolio meetings.

Prepare presentation papers and account recommendations for Credit Committee and other management committees.

Maintain accurate documentation and ensure compliance with internal policies and Bank Negara Malaysia guidelines.

Stakeholder Management

Work closely with Credit Risk, Underwriting, Collections, Recovery, Legal and Business teams to formulate account strategies.

Coordinate implementation of approved restructuring, settlement or recovery actions.

Support strategic initiatives to improve early warning framework, portfolio quality and collection effectiveness.

Job Requirements & Criteria:

Experience

3–5 years in Collections, Early Warning, Credit Monitoring, Collection knowledge, Special Assets, Business Banking or Credit Risk.

Experience handling SME and Commercial Banking portfolios is an advantage.

Experience negotiating restructuring & rescheduling (R&R), settlement and rehabilitation programmes.

Experience conducting business site visits and financial assessment.

Knowledge

Strong understanding of CCRIS.

Understanding of SME financial statements.

Knowledge of BNM Guidelines.

Knowledge of Collection & Recovery lifecycle.

Skills

Analytical thinking.

Negotiation.

Presentation.

Strong communication.

Microsoft Excel & PowerPoint.