Credit Recovery Manager

SUN GATE CREDIT SDN BHD; Gombak; On-site; MYR 90,000 - 150,000; Full time

Job summary

SUN GATE CREDIT SDN BHD is seeking a Collections Manager to lead end-to-end recovery for delinquent accounts, segment customers by risk, and oversee both in-house and external recovery partners.

The role requires 4–6 years in credit recovery or risk strategy, strong knowledge of collection laws, data analysis using Excel, and proven leadership to drive compliant, high-performance recovery programs.

Qualifications

• Bachelor’s degree or higher in Finance, Business, Admin, Economics or related field.
• 4–6 years of experience in credit recovery, collections, or credit risk strategy.
• Strong understanding of collection laws, credit scoring, and debt recovery processes.
• Proficiency in data analysis using Excel.
• Excellent communication, negotiation, and team leadership skills.
• Experience managing legal recoveries or external recovery vendors.

Responsibilities

• Lead end-to-end recovery for delinquent and defaulted accounts.
• Segment customers by risk, delinquency age, and recovery potential.
• Oversee in-house and outsourced recovery teams, including legal partners where applicable.
• Ensure repayment plans are structured, monitored, and followed.
• Track and report key metrics related to recovery performance and losses.
• Design, implement, and refine tiered collections strategies.
• Collaborate with data and tech teams to implement automated tools (SMS/email reminders, robot-dialers).
• Optimize collection scripts, customer engagement strategies, and escalation pathways.
• Coordinate with credit risk, legal, and customer support teams to close feedback loops.
• Provide training and guidance to collection teams on strategy execution and customer interaction.
• Support the design and deployment of internal dashboards and reports for collections insights.
• Ensure all recovery activities comply with lending laws and consumer protection regulations.
• Maintain documentation and audit trails for recovery actions and legal cases.

Skills

Data analysis

Excel proficiency

Negotiation

Leadership

Communication

Vendor management

Education

Bachelor’s degree in Finance, Business Administration, Economics, or related field

Tools

Excel

Job description

Lead and manage end-to-end recovery for delinquent and defaulted accounts.

Segment customers by risk, delinquency age, and recovery potential to tailor recovery efforts.

Oversee in-house and outsourced recovery teams, including legal partners where applicable.

Ensure repayment plans are structured, monitored, and followed through.

Track and report key metrics related to recovery performance and losses.

Collections Strategy Development

Design, implement, and refine tiered collections strategies for different stages of delinquency (early, mid, late).

Use data analysis to create risk-based collection approaches and prioritize high-impact accounts.

Collaborate with data and tech teams to implement automated tools (e.g., SMS/email reminders, robot-dialers).

Optimize collection scripts, customer engagement strategies, and escalation pathways.

Cross-Functional Collaboration

Coordinate with credit risk, legal, and customer support teams to close feedback loops.

Provide training and guidance to collection teams on strategy execution and customer interaction.

Support the design and deployment of internal dashboards and reports for collections insights.

Compliance & Process Governance

Ensures all recovery and collections activities comply with relevant lending laws and consumer protection regulations.

Establish ethical, customer-centric practices in recovery efforts.

Maintain proper documentation and audit trails for all recovery actions and legal cases.

Job Requirement:

• Bachelor’s degree in Finance, Business Administration, Economics, or a related field.
• Minimum 4 – 6 years of experience in credit recovery, collections, or credit risk strategy (preferably in a lending/fintech environment)
• Strong understanding of collection laws, credit scoring, and debt recovery processes.
• Proficiency in data analysis and tools (Excel)
• Excellent communication, negotiation, and team leadership skills.
• Experience managing legal recoveries or working with external recovery vendors.
• Knowledge of automation tools for recovery and digital communication channels (SMS, WhatsApp, email workflows)