Executive, Credit Operation

1 week ago


Malaysia CompAsia Full time


Job Summary

The Credit Operation & Recovery Executive is responsible for managing overdue accounts, ensuring timely recovery of outstanding payments, and supporting daily credit operations. This role requires strong analytical skills, effective communication, and the ability to work in a fast-paced environment to achieve collection targets and maintain customer account accuracy.

Key Responsibilities

Credit Operations

  • Contact defaulted customer accounts
  • Monitor and track overdue accounts across different MIA (Months in Arrears) buckets.
  • Ensure timely updates of SOA (Statement of Account), payment reconciliation, and customer account accuracy.
  • Update daily dunning interaction accurately on daily tracking sheets.
  • Maintain accurate customer payment records, payment receipts and other supporting documents.
  • Coordinate with internal teams (Finance, Customer Service, Sales) on account status and payment-related matters.

Debt Recovery

  • Contact customers through calls, messages, email, or written communication to secure overdue payments.
  • Negotiate and persuade customers to commit to realistic payment arrangements.
  • Escalate difficult cases and propose recommendations for legal, CTOS, Debt Collections agencies when necessary.
  • Follow up closely to ensure promised payments are fulfilled within agreed timelines.

Qualifications

  • Diploma or bachelor's degree in finance, Accounting, Business Administration, Economics, or related fields.
  • Prior experience in banking, financial services, or debt collection agencies is highly valued.

Skills

Technical / Operational Skills

  • Strong understanding of credit management, overdue account recovery, and collection procedures.
  • Proficient in MS Office (Excel, Word, PowerPoint) with the ability to create reports.

Communication & Interpersonal Skills

  • Fluent in English and Bahasa Malaysia; Mandarin proficiency is an added advantage.
  • Strong negotiation and persuasion abilities.
  • Excellent written communication for letters, reports, and professional emails.
  • Able to collaborate effectively with internal teams, external parties, and customers.

Experience

  • Minimum 1–3 years of experience in credit operations, debt recovery, or collections, preferably in a corporate or financial services environment.
  • Experience handling overdue accounts in various MIA buckets is an advantage.



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