Full Time Officer - Senior Officer, Collection - Recovery Jobs, in Pac Lease Berhad Federal Territory - Maukerja

ROLE OVERVIEW

The Collection & Recovery Officer is responsible for managing delinquent accounts and driving effective collection and recovery efforts to minimize credit risk. The role involves engaging with customers to negotiate repayment solutions, supporting account rehabilitation through restructuring, and ensuring accurate reporting for management insights. Success in this role requires strong communication, analytical, and problem-solving skills to balance customer relations with business objectives.

KEY RESPONSIBILITIES

• Proactively manage delinquent accounts through effective dunning processes, including reviewing account status, monitoring overdue balances, and implementing appropriate collection and recovery strategies.
• Conduct field visits and engage in negotiations with loan defaulters to develop mutually beneficial solutions, with the aim of rehabilitating accounts and maximizing recovery outcomes.
• Prepare and analyze periodic reports and statistical data to support departmental planning, performance tracking, and management decision-making.
• Execute account restructuring and rescheduling initiatives by assessing customer repayment capacity and recommending suitable repayment plans.

KEY REQUIREMENTS

• Diploma or Degree in Business Administration, Finance, or a related discipline.
• Minimum 2 years of relevant experience in collections, recovery, or a similar role within the banking, hire purchase (HP), or leasing industry is preferred.
• Strong interpersonal, communication, and report writing skills, with the ability to engage effectively with diverse stakeholders.
• Self-motivated and able to work independently in a fast-paced environment, with the ability to perform under pressure and meet deadlines.
• Proficient in Microsoft Office applications, particularly Excel, Word, and PowerPoint.
• Fresh graduates with relevant academic backgrounds and a keen interest in collection and recovery functions are encouraged to apply.