FreeHire

CIMB

Manager, Asset Quality Management

Show

Contacting Debtors and Negotiation

  • Reach out to customers who have defaulted on loans, credit payments, or bills via phone, email, letters, or in-person visits.
  • Discuss reasons for non-payment and negotiate repayment plans suitable for the customer’s financial situation.
  • Adjust loan terms, restructure accounts, or propose settlements where applicable.

Account Management and Monitoring

  • Track overdue accounts and maintain detailed records of all interactions and repayment arrangements.
  • Monitor repayment schedules, progress, and escalation if customers remain delinquent.
  • Generate reports on collections activity, recovery rates, and account status for management.

Manage NPLs

  • Handle high-risk and default accounts.
  • Develop specific recovery plans (restructuring, legal action, settlements).
  • Work to reduce NPL ratios.

Legal Compliance and Coordination

  • Ensure all collection practices comply with local regulations.
  • Collaborate with legal teams for debt recovery actions, repossession, or court proceedings if necessary.
  • Review accounts for risk and recommend provisions or write offs for irrecoverable debts.

Customer Service and Relationship Management

  • Provide empathetic and professional service to maintain positive relationships with borrowers while enforcing repayment obligations.
  • Serve as a liaison between clients, internal teams, and external agencies to resolve disputes and address account issues.

Reporting and Analysis

  • Prepare management information reports to illustrate portfolio performance, recovery trends, and problem accounts.
  • Analyze borrower data to design collection strategies and optimize recovery efficiency.

Knowledge Skills and Experience:

  • Tertiary qualification in Economic, Accounting & Finances, or related field.

  • Typically, 8-10+ years in banking with at least 7-8 years’ experience in asset quality management such as collection & recovery.

  • Strong analytical skills.

  • Understand local regulatory requirements.

  • Strong negotiation, persuasion and problem-solving skills.

  • Ability to work under matrix and demanding environment.

  • Strong communication and interpersonal skills.
  • Attentive to detail and accuracy.

  • Good English both speaking and writing.

  • Computer literacy in MS Word, Excel and Power Point.

  • We encourage candidates from all backgrounds to apply