Manager, Credit Recovery

ELK-Desa Resources Berhad; Klang City; Sur place; MYR 134 000 - 201 000; Plein temps

Résumé du poste

ELK-Desa Resources Berhad is seeking a senior leader to oversee its loan collections team in Malaysia. You will drive end-to-end collection operations across delinquency buckets, manage a team of Senior Executives and Executives, and implement strategic plans to improve cure rates and reduce arrears.

By leveraging AI chatbots, WhatsApp notifications, and a mobile payments platform, you will ensure compliant, efficient recovery processes while coordinating field visits and weekend calling

Qualifications

• Minimum 5–8 years of experience in collections or credit management, with at least 3 years in a managerial role.
• Strong experience in hire purchase, auto financing, or consumer lending, preferably serving the underbanked.
• Proven track record leading collection teams of 8+ staff and achieving recovery targets.
• In-depth knowledge of the Hire Purchase Act 1967.
• Strong analytical, leadership, and stakeholder management skills.
• Proficiency in Bahasa Malaysia and English; Mandarin or Tamil is an advantage.

Responsabilités

• Lead end-to-end collection operations covering early-stage delinquency, late-stage recovery, repossession, legal action, and bad debt management.
• Develop and implement collection strategies to achieve monthly and quarterly recovery targets, including cure rate improvement and arrears reduction.
• Manage and mentor a team of Senior Executives and Executives, setting KPIs and conducting performance reviews.
• Monitor delinquency trends by bucket and initiate escalation actions as needed.
• Oversee deployment of collection tools, AI chatbots, WhatsApp notifications, and the mobile app payment platform.
• Ensure all collection activities comply with the Hire Purchase Act 1967 and internal conduct standards.
• Drive weekend calling programmes, field visits, and branch service coordination.

Connaissances

Leadership

Collections

Credit management

Analytics

Stakeholder management

Bahasa Malaysia & English

Outils

AI chatbots

WhatsApp notification system

Mobile app payments

Description du poste

Lead and oversee the collection team, ensuring optimal recovery performance across all delinquency buckets. Drive collection strategies, manage team performance, and ensure compliance with the Hire Purchase Act 1967, and all applicable regulations governing debt recovery for used car hire purchase financing.

Responsibilities:

• Lead end-to-end collection operations covering early-stage delinquency, late-stage recovery, repossession, legal action, and bad debt management.
• Develop and implement collection strategies to achieve monthly and quarterly recovery targets, including cure rate improvement and arrears reduction.
• Manage and mentor a team of Senior Executives and Executives, setting KPIs, conducting performance reviews, and driving calibration exercises.
• Monitor delinquency trends by bucket and initiate appropriate escalation actions.
• Oversee the deployment and optimisation of collection tools, AI chatbots, WhatsApp notification systems, and the mobile app payment platform.
• Ensure all collection activities comply with the Hire Purchase Act 1967, and internal conduct standards including fair treatment of underbanked and underserved hirers.
• Drive weekend calling programmes, field visit operations, and branch service coordination.

Requirements:

• Minimum 5 -8 years of experience in collections or credit management, with at least 3 years in a managerial role.
• Strong experience in hire purchase, auto financing, or consumer lending preferably serving the underbanked segment.
• Proven track record of leading collection teams of 8+ staff and achieving recovery targets.
• In-depth knowledge of the Hire Purchase Act 1967.
• Strong analytical, leadership, and stakeholder management skills.
• Proficiency in Bahasa Malaysia and English; Mandarin or Tamil is an advantage.