Manager - Repossession & Operation (NPL & Recovery Dept)

AEON Credit Service (M) Bhd; Kuala Lumpur; On-site; MYR 80,000 - 120,000; Full time

Job summary

A leading consumer financing provider is seeking a Manager for Repossession & Operation in Kuala Lumpur. The role involves leading departmental initiatives, managing operational targets, and ensuring compliance with regulations. Candidates should have at least 8 years of experience in collections or credit operations and possess a degree in a relevant field. A strong analytical mindset and familiarity with regulatory requirements are essential.

Qualifications

• 8+ years of experience in collections, credit operations, or NPL recovery.
• Proven track record in managing teams and achieving targets.
• Familiarity with Malaysian legal frameworks and financial operations.

Responsibilities

• Lead repossession and operational improvement initiatives.
• Manage staff and report performance to upper management.
• Achieve repossession and operation improvement targets.

Skills

Leadership in repossession and operations

Strong knowledge of collections processes

Analytical mindset

Knowledge of Bank Negara Malaysia (BNM) guidelines

Education

Diploma or Bachelor's Degree in Business Administration, Finance, Banking, or related discipline

Job description

Manager - Repossession & Operation (NPL & Recovery Dept)

Overview

The Manager is responsible for leading repossession and operational improvement initiatives to achieve departmental targets, enhance efficiency, ensure compliance, and support strategic planning and project implementation within the NPL & Recovery Department.

Responsibilities

• Ensure staff adhere to the company’s internal policies, guidelines, and regulatory requirements (BNM and related regulations).
• Manage unit/section repossession and operation improvement staff in terms of daily activities, performance, administration, and daily and monthly reporting to the Head of Department or Senior Management.
• Achieve unit/section repossession and operation improvement targets set by Management on a daily, weekly, monthly, quarterly, and yearly basis, and deliver strong collection results.
• Contribute to the unit’s overall performance in NPL collection to minimize impairment losses in accordance with the company’s loss provision budget (monthly, quarterly, and yearly).
• Assess staff collection knowledge and recommend skill development programs.
• Provide operation support to other Section Heads to ensure smooth operations when required.
• Increase customer service standards and ensure timely resolution of customer complaints.
• Undertake new directions from Management and participate in projects or tasks as assigned.
• Perform any ad-hoc tasks or matters assigned by Management.

Job Requirements

• Diploma or Bachelor's Degree in Business Administration, Finance, Banking, or a related discipline.
• Minimum 8 years of relevant experience in collections, credit operations, or NPL recovery, preferably within a banking or financial institution.
• Strong knowledge of collections processes, repossession procedures, and NPL management.
• Proven track record in managing teams and achieving operational and collection performance targets.
• Familiarity with Malaysian legal frameworks, Bank Negara Malaysia (BNM) guidelines, and financial institution operations related to credit and recovery.
• Strong analytical mindset with the ability to interpret data and drive operational improvements.
• Change management experience with a proactive and result-oriented approach to problem solving.

About AEON Credit Service (M) Berhad

AEON Credit Service (M) Berhad is a leading consumer financing provider with business operations in Japan, Malaysia, Hong Kong, Thailand, Taiwan and China. Our portfolio includes credit cards, personal financing, and easy payment schemes to support the livelihoods of Malaysians.