CREDIT RECOVERY OFFICER (BASIC + INCENTIVE)

TIME CREDIT SDN BHD; Skudai; On-site; MYR 39,000 - 54,000; Full time

Job summary

TIME CREDIT SDN BHD is seeking a Credit Recovery Officer to monitor and recover overdue accounts, communicating with customers by phone, email, and written correspondence. You will implement settlement plans within policy guidelines and maintain accurate records in the system.

The ideal candidate has 2–3 years in collections or accounts receivable, a Finance/Accounting/Business background, and strong negotiation, communication, and Excel skills.

Qualifications

• 2–3 years of experience in collection, credit recovery, or accounts receivable.
• Bachelor level preferred; SPM/diploma acceptable.

Responsibilities

• Monitor and follow up on overdue accounts to ensure timely payment.
• Contact customers via phone, email, and formal correspondence to recover outstanding balances.
• Negotiate repayment plans and settlement terms within company guidelines.
• Track and update collection activities in the system accurately.
• Investigate and resolve payment discrepancies or disputes with relevant departments.
• Prepare aging reports and collection status updates for management review.
• Escalate long outstanding accounts for legal action or external recovery when necessary.
• Ensure adherence to company SOP, credit policies, and regulatory requirements.
• Perform scheduled site visits to borrower's residence, workplace, or guarantor address for verification, follow-up, or negotiation.

Skills

Negotiation

Communication

Time management

Integrity/confidentiality

Education

SPM

Diploma or Degree in Finance/Accounting/Business Admin

Tools

Microsoft Excel

Job description

CREDIT RECOVERY OFFICER (BASIC + INCENTIVE)

This role involves monitoring and following up on overdue accounts to ensure timely payment, contacting customers via phone, email, and formal correspondence to recover outstanding balances, and negotiating repayment plans and settlement terms within company guidelines.

Key responsibilities

• Monitor and follow up on overdue accounts to ensure timely payment
• Contact customers via phone, email, and formal correspondence to recover outstanding balances
• Negotiate repayment plans and settlement terms within company guidelines
• Track and update collection activities in the system accurately
• Investigate and resolve payment discrepancies or disputes with relevant departments
• Prepare aging reports and collection status updates for management review
• Escalate long outstanding accounts for legal action or external recovery when necessary
• Ensure adherence to company SOP, credit policies, and regulatory requirements
• Perform scheduled site visits to the borrower's residence, workplace, or guarantor address for verification, follow-up, or negotiation
• Trace and investigate customers who have become unreachable or provided false information

About you

• SPM, Diploma or Degree in Finance, Accounting, Business Administration, or related field
• Minimum 2–3 years of experience in collection, credit recovery, or accounts receivable
• Strong negotiation and communication skills
• Firm, disciplined, and able to handle challenging customers professionally
• Target-oriented with good follow-up and time management skills
• Proficient in Microsoft Office applications (especially Excel)
• High level of integrity, confidentiality, and responsibility