Senior Manager / Manager, Head of Collection

Mitsubishi HC Capital Malaysia Sdn; Seberang Perai; On-site; MYR 180,000 - 300,000; Full time

Job summary

Mitsubishi HC Capital Malaysia Sdn is seeking a Senior Manager / Manager – Head of Collection to lead the end-to-end collection, recovery, and asset disposal functions.

The role drives recovery strategies, oversees LMOs, Litigation, and Assets & Disposal teams, coordinates with solicitors, and reports on KPIs. This position is based in Penang, Malaysia.

Qualifications

• Bachelor’s degree in a relevant field (business admin, Finance, Economics, Law) or equivalent.
• 15 years of collections experience for Senior Manager level; 10 years minimum otherwise.
• Strong hands-on experience in loan collection, remedial management, recovery and litigation matters.
• Proven leadership and people management skills with the ability to drive performance.
• Fluent in English, Mandarin, and Bahasa Malaysia; excellent communication and interpersonal skills.
• Strategic, proactive, and able to multitask in a fast-paced environment.

Responsibilities

• Oversee day-to-day collections activities to meet recovery targets.
• Develop and implement collection strategies aligned with KPIs and forecasts.
• Manage overdue and delinquent HP accounts from early arrears through legal recovery.
• Monitor collections performance, recovery ratios, and portfolio trends; take corrective actions.
• Supervise LMOs, Litigation, and Assets & Disposal teams for optimal performance.
• Oversee litigation matters, including initiating legal actions and monitoring court proceedings.
• Liaise with panel solicitors on case strategies and track case progress.
• Manage repossession activities and proper handling of recovered assets.
• Oversee auction, tender, and asset disposal processes and transfers of ownership.
• Collaborate with Sales and Marketing to expedite disposal and optimize recovery values.
• Review and process legal bills; prepare approval memoranda for settlements and enforcement actions.
• Track departmental performance against budgets and KPIs and prepare reports.
• Update policies to ensure effectiveness and regulatory compliance.
• Drive process improvements to enhance recovery outcomes and efficiency.
• Lead and mentor collections, litigation, and assets & disposal personnel.

Skills

Collections

Litigation

Leadership

People management

Negotiation

Communication

English

Mandarin

Bahasa Malaysia

Education

Bachelor's degree

Job description

Senior Manager / Manager – Head of Collection

Job Description

Key Responsibilities:

• Oversee day-to-day collections activities to achieve recovery targets and portfolio quality objectives.
• Develop, implement, and enhance collection and recovery strategies aligned with company KPIs and financial forecasts.
• Manage all stages of overdue and delinquent HP accounts, from early arrears through legal
  recovery and execution of judgments.
• Monitor collections performance, recovery ratios, and portfolio trends, and take corrective
  actions where required.
• Supervise, guide, and evaluate Loan Monitoring Officers (LMOs), Litigation, and Assets &
  Disposal teams to ensure optimal performance and accountability.
• Oversee litigation matters, including initiation of legal actions, monitoring court proceedings,
  and resolution of contested cases.
• Review and verify security and legal documentation prior to commencing litigation to ensure
  accuracy and completeness.
• Liaise with panel solicitors on case strategies, review affidavits and defence documents, and
  track case progress.
• Manage repossession activities and ensure proper handling, storage, and disposal of recovered
  assets.
• Oversee auction, tender, and asset disposal processes, including transfer of ownership for
  successful sales.
• Collaborate with Sales and Marketing to expedite disposal of repossessed assets and optimize
  recovery values.
• Review and process legal bills and prepare approval memoranda for settlements, payment
  arrangements, enforcement actions, and other recovery matters.
• Track departmental performance against budgets and KPIs and prepare regular management
  reports.
• Review and update collection, recovery, litigation, and asset disposal policies to ensure
  effectiveness and regulatory compliance.
• Drive process improvements to enhance recovery outcomes, operational efficiency, and
  turnaround timelines.
• Lead, mentor, and develop collections, litigation, and assets & disposal personnel to maintain
  high performance standards.
• Work closely with internal departments to support overall business objectives and recovery
  initiatives.
• Support ad-hoc tasks, special projects, and departmental initiatives as required.

Requirements

• Bachelor’s degree in business administration, Finance, Economics, Law or equivalent.
• Minimum 10 years’ experience in collections and recovery within the industrial hire purchase or equipment financing industry (15 years for Senior Manager level).
• Strong hands‑on experience in loan collection, remedial management, recovery, and litigation
  matters.
• Proven leadership and people management skills with the ability to drive performance.
• Strong communication, negotiation, and interpersonal skills.
• Proficient in English, Mandarin, and Bahasa Malaysia.
• Strategic, proactive, and able to multitask in a fast‑paced environment.