Client Background: Hire Purchase Financier

Industry: Hire Purchase Financier

Location: KL , Pudu, Klang

Headcount: 2 headcount

Tenure: Permanent

Remuneration: Monday- Friday (930am-530pm)， 15 days annual leave (<2 years), 21 days annual leave (>2years), Medical coverage for individual, spouse & kids including in/outpatient, dental, optical, annual medical check-up & more, RM50 fixed phone allowance, performance bonus etc..

Lead, coach, and manage a team of ~25 collection staff including team leaders, negotiators, and field officers across all delinquency buckets (pre-due, early, mid, and late-stage collections).

Set, monitor, and achieve monthly and quarterly collection KPIs including roll rates, Cure rates, Impairment movement and promise-to-pay (PTP) fulfillment.

Develop and implement segmented collection strategies aligned to customer risk profiles and delinquency buckets.

Oversee field collection operations, skip tracing, legal referrals, and repossession activities in compliance with Hire Purchase Act and relevant regulatory guidelines.

Collaborate with Recovery (Repo) , Loan Origination (business) , Finance and Legal teams to escalate and resolve high-risk accounts and negotiate payment arrangements.

Conduct regular performance reviews, coaching sessions, and training programs to upskill collection officers in negotiation, compliance, and digital tools.

Prepare and present collection performance dashboards, NPL reports, and recovery trend analyses to senior management.

Manage and negotiate with external collection agencies, repossession agents, and legal counsel to maximize recovery outcomes.

Ensure all collection activities adhere to the Personal Data Protection Act (PDPA), Bank Negara Malaysia (BNM) fair-debt collection practices, and internal policies.

Continuously review and improve collection SOPs, call scripts, workflow systems, and digital engagement strategies

QUALIFICATIONS & EXPERIENCE

Minimum Bachelor's Degree in Business Administration, Finance, Economics, or any other related field.

Minimum 5-8 years of progressive experience in collections, credit recovery, or related financial services roles, with at least 3–5 years in a managerial/leadership capacity.

Proven track record of leading large teams (20+ staff) in a fast-paced financial institution, fintech, or licensed moneylender environment.

Strong knowledge of Malaysian lending regulations including BNM guidelines, Hire Purchase Act, Moneylenders Act 1951, and PDPA 2010.

Demonstrated ability to analyse portfolio data, identify trends, and implement data-driven recovery strategies.

Excellent leadership, interpersonal, and negotiation skills with high emotional intelligence.