Emir Salim Bin Sujak

• Oversee the entire collections and recovery process for delinquent accounts, ensuring timely actions to minimize non-performing loans (NPL).
• Develop and implement effective collection strategies and policies in alignment with the cooperative's goals and regulatory standards.
• Monitor the performance of the collections team, providing guidance and training to ensure compliance and efficiency.
• Engage with members and borrowers to negotiate settlements and payment plans.
• Analyze delinquent accounts to identify trends, forecast risks, and suggest improvements to management.
• Coordinate with external collection agencies or legal counsel as necessary.
• Ensure compliance with cooperative lending standards and all applicable regulatory frameworks.
• Set departmental goals, KPIs, and monitor staff performance, providing continuous training and coaching.
• Collaborate with other departments to enhance the cooperative’s overall financial performance and risk management.
• Prepare monthly reports detailing recovery progress and make strategic recommendations for improvements.
• Attend to SKM Tribunal/Courts for legal action proceeding on borrower/member.

• Lead and directed sales team on sales directions, operations and procedures
• Prepared for and executed new strategy implementations
• Organized and executed events and marketing programs in promoting sales for Proton cars
• Market, sales & build customer retention by providing friendly after sales service
• Carefully interviewed, selected, trained and supervised sales staff
• Planned sales promotion to achieve monthly sales target
• Working closely with financial institution in acquiring loans & financial assistance to customers
• Developed, implemented and managed business plans to achieve sales target
• Interacted positively with customers on complaints & after sales service while promoting client brands.

• Carefully interviewed, selected, trained and supervised staff
• Lead and direct team members on effective methods, operations and procedures
• Prepared for and executed new strategy implementations
• Developed, put into practice, and managed business plans to achieve clients' given collection targets.
• Interacted positively with customers for collections & recovery process while promoting client brands.
• Enhanced customer satisfaction by resolving disputes promptly, maintaining open lines of communication, and ensuring high-quality service delivery.
• Mentored junior team members for career advancement, fostering a pipeline of future leaders within the organization.
• Accomplished multiple tasks within established timeframes.
• Managing 4 banking portfolios, which is:

Hong Leong Bank Berhad (HLBB)

• Hong Leong Bank Credit Card (NPL & W/Off)
• Write Off EON Bank Credit Card

United Overseas Bank Berhad (UOB)

• Credit Card Write Off
• Easy Cash Write Off
• Easy Cash NPL

Ambank Berhad

• Ambank Credit Card (Amcard)
• Ambank Consumer Loan (Am Consumer)

RCE Marketing Sdn Bhd (Subsidiary of RCE Capital Bhd)

• Yayasan Ihsan Rakyat (Government Servant Loan)
• Yayasan Perlis (Government Servant Loan)

• Implemented collections & recoveries strategies on day to day basis, including setting up collections team target
• Prepared detailed reports on collections and recoveries activities for client evaluations
• Assist staff in negotiating & closing settlement payment from customers including providing advice on rescheduling NPL accounts
• Worked closely with client, attend to their inquiry, reports and meetings.
• Interviewed, select, trained, mentored, motivate and monitor staff to ensure KPI & target are met according to clients requirement
• Managing 3 banking portfolios which is:

Ambank Berhad

• Hire Purchase (AmHP)
• Credit Card (Amcard)
• Line of Credit (LOC)
• Mikro Credit (Am Mikro)
• Term Loan
• Housing Loan (Disposed, Loss After Sales)
• Overdraft (Am OD)

Bank Islam Malaysia Berhad

• Mortgage Financing (Normal & Shortfall account, Written Off accounts)
• Hire Purchase Financing ( Written Off and Disposed Accounts)
• Islamic Credit Cards (Delinquent Accounts & 60 Days Accounts)

Bank Simpanan Nasional

• BSN Mikro
• BSN Cards ( NPL, Charge Off & 60 Days)
• BSN Housing Loan (Shortfall Accounts)

• Organized and executed events and marketing programs in promoting sales for Proton cars
• Market, sales & build customer retention by providing value added after sales service
• Planned sales promotion to achieve monthly sales target
• Working closely with financial institution in acquiring loans & financial assistance to customers.

• Market & promote life and general insurance products for MAA Assurance Bhd & Multi-Purpose Insurance Bhd.
• Determined client needs and financial situations by listening and scheduling fact-finding appointments.
• Efficiently managed policy renewals, ensuring timely processing and accurate coverage updates.
• Participated in ongoing professional development activities, staying current with industry trends and regulatory changes affecting insurance products and services.
• Educated clients on the importance of adequate insurance coverage, fostering trust and loyalty among the existing client base.
• Expanded client base by actively prospecting for new business opportunities and generating referrals.

• Attached with Hire Purchase Hub Northern Region (Penang, Kedah & Perlis area)
• Monitoring hire purchase loan on arrears accounts for collections (early collections)
• Issuance of repossession orders, restructuring of Written Off & NPL accounts
• Conducting field visit to hirers residence/office for collections & recovery process for uncontactable & avoiding cases
• Attend to hirer's voluntary surrender of vehicles
• Vehicle inspection upon repossession, 5th schedule issuance, statement of claim, LOD issuance, vehicle tender and lost after sales recovery.
• Preparing report for management review.