Smooth Melody Credit Hiring! Full Time Credit Recovery Executive in Johor, Earn up to MYR 6,000 - Ricebowl

SPM, Diploma or Degree in Finance, Accounting, Business Administration, or related field

Minimum 3–5 years of experience in collection, credit recovery, or accounts receivable

Strong negotiation and communication skills

Firm, disciplined, and able to handle challenging customers professionally

Target-oriented with good follow-up and time management skills

Proficient in Microsoft Office applications (especially Excel)

High level of integrity, confidentiality, and responsibility

Monitor and follow up on overdue accounts to ensure timely payment

Contact customers via phone, email, and formal correspondence to recover outstanding balances

Negotiate repayment plans and settlement terms within company guidelines

Track and update collection activities in the system accurately

Investigate and resolve payment discrepancies or disputes with relevant departments

Prepare aging reports and collection status updates for management review

Escalate long outstanding accounts for legal action or external recovery when necessary

Ensure adherence to company SOP, credit policies, and regulatory requirements

Perform scheduled site visits to the borrower's residence, workplace, or guarantor address for verification, follow-up, or negotiation

Trace and investigate customers who have become unreachable or provided false information