Collections Associate

Our client is a fast growing B2B lending Fintech (Lending) company, headquartered in Kuala Lumpur.

Qualifications

• Degree/Diploma in Business Administration, Management, Finance, Economics or relevant field
• Minimum 3-4 years of relevant experience in Collections (fintech or banking/Loans industry)
• Excellent verbal and written communication skills in English & Bahasa Melayu.
• Proactive and innovative startup mindset
• Creative, Proactive & Dynamic personality
• Self-organized person and Eager to learn.

Responsibilities

• Oversee the end-to-end collections process, from early-stage delinquencies to legal recoveries.
• Develop and implement targeted collection strategies for SME borrowers based on risk segmentation.
• Implement structured reminder systems (calls, emails, SMS) to encourage timely payments.
• Provide financial counseling and restructuring options where feasible to support business continuity for SME borrowers.
• Prioritize high-risk accounts and implement proactive engagement strategies to prevent defaults.
• Work with legal teams to initiate enforcement actions when necessary.
• Continuously improve processes to reduce collection costs and increase recovery efficiency.
• Optimize communication channels for seamless borrower interactions.
• Address customer concerns related to loan applications, repayment terms, and documentation.
• Develop strategies to enhance customer satisfaction and retention.
• Manage the customer support and collections teams to ensure high service standards.
• Develop strategies to enhance borrower experience and address grievances efficiently.
• Track KPIs related to loan processing, default rates, and operational efficiency.
• Generate reports for senior management & investors to support data-driven decision-making.
• Continuously improve processes based on market trends and customer feedback.
• Track key performance indicators (KPIs) such as loan approval rates, default rates, and processing times.
• Generate detailed reports and insights for senior management and stakeholders.
• Use data analytics to optimize operations, identify bottlenecks, and improve decision-making.