Full Time Collection Manager Jobs, in Mitsubishi HC Capital Malaysia Pulau Pinang - Maukerja

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.

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.