NPL Collections Associate: Recovery & Negotiations

FREEDOM CREDIT SDN. BHD.; Bintulu; On-site; MYR 36,000 - 69,000; Full time

Job summary

FREEDOM CREDIT SDN BHD in Bintulu seeks an experienced collections professional to manage a portfolio of non-performing loan accounts and drive recovery performance. You will contact delinquent customers, assess their financial situations, and negotiate repayment or restructuring plans.

The role requires strong negotiation and communication skills, integrity, and the ability to work independently within a fast-paced team.

Qualifications

• Diploma or degree in finance, business, accounting, or related field.
• 1–3 years in collections, debt recovery, or credit control.
• Strong negotiation and communication skills.
• Ability to handle difficult conversations with customers.
• Proactive, results-driven with good follow-up.
• Proficient in Microsoft Office (Excel, Word).

Responsibilities

• Manage a portfolio of NPL accounts to achieve recovery targets.
• Contact delinquent customers via calls, emails, letters, and site visits to negotiate plans.
• Assess customers’ financial situations and propose repayment or restructuring solutions.
• Monitor overdue accounts and ensure timely collection actions.
• Maintain records and update account status in the system.
• Prepare reports on collection performance and delinquency trends.
• Ensure collection activities comply with policies and regulatory requirements.
• Liaise with internal teams and external parties for escalations, legal actions.
• Handle customer inquiries and disputes professionally while maintaining firm approach.
• Perform other duties as assigned by management.

Skills

Negotiation

Communication

Interpersonal skills

Problem-solving

Analytical skills

Teamwork

Integrity and confidentiality

Willingness to travel

Legal/regulatory knowledge

Education

Diploma or Degree in Finance, Business Administration, Accounting, or related field

Tools

Microsoft Office

CRM software

Job description

FREEDOM CREDIT SDN BHD in Bintulu seeks an experienced collections professional to manage a portfolio of non-performing loan accounts and drive recovery performance. You will contact delinquent customers, assess their financial situations, and negotiate repayment or restructuring plans.

The role requires strong negotiation and communication skills, integrity, and the ability to work independently within a fast-paced team.