Collection Analyst

About the Bank:

We are a growing regional digital bank group and are revolutionizing financial banking services across Southeast Asia. Our mission is to unlock big dreams and drive financial inclusion throughout the region. As a regional digital bank, we have the right foundation—data, technology, and trust—because we are Build With Heart. We believe that real impact starts with real people. If you're ready to Own The Mission and help us shape the future of Digital banking, we invite you to join us.

About the Role:

The Collections Analyst will manage an assigned portfolio of business banking accounts to drive optimal recovery rates and minimize delinquency. You will be instrumental in collaborating with cross-functional partners—such as Credit Risk, Legal, and external agencies—executing recovery strategies that reflect our values, and ensuring the successful resolution of delinquent accounts. Own The Mission is your mandate: you are the ultimate owner of the day-to-day management, compliance, and recovery targets of your assigned case queue.

Job Responsibilities

• Manage and execute daily collection activities and account assignments within the assigned Commercial portfolio to meet recovery targets.

• Handle moderately complex collection and recovery cases, escalating highly sensitive matters to senior team members when necessary.

• Apply strong negotiation skills and maintain up-to-date knowledge of regulatory compliance requirements during all customer interactions.

• Ensure strict adherence to legal, regulatory, and internal policy guidelines across all personal collection activities.

• Identify process bottlenecks and contribute actionable recommendations to improve team workflows and overall recovery outcomes.

• Assist in reviewing and updating standard operating procedures (SOPs) and collection documentation.

• Monitor and analyze portfolio data, tracking delinquency trends, repayment plans, and proposed settlements to provide data-driven insights.

• Coordinate daily operations with external Debt Collection Agencies (DCAs), monitoring their basic SLA performance and compliance.

• Prepare case files and documentation for legal proceedings, court hearings, and creditor meetings.

• Collaborate with Credit Risk and business units by highlighting emerging risks and segments with rising delinquency based on daily portfolio tracking.

• Support system enhancement projects by participating in User Acceptance Testing (UAT) and documenting system issues.

Qualifications

• 1–3 years of experience in credit collections, recovery, or credit risk operations within a bank or financial institution.

• Solid understanding of the collections and recovery lifecycle, specifically within the commercial or corporate sector.

• Strong analytical skills with the ability to interpret data, track delinquency trends, and compile portfolio reports.

• Excellent communication and negotiation skills, with a proven track record of handling difficult customer conversations professionally.

• Highly collaborative team player with the ability to work effectively across different departments.

• Prior experience coordinating with external vendors or assisting with legal recovery processes is an advantage.