Mohd Khairuzshafar Shahril
Credit Collection Professional
Kuala Lumpur
Summary
Results-oriented achiever with proven ability to exceed targets and drive success in fast-paced environments. Combines strategic thinking with hands-on experience to deliver impactful solutions and enhance organizational performance.
Overview
15
15
years of professional experience
Work History
Head of Credit (Consumer Business)
TIME DotCom Berhad
11.2024 - Current
- Spearheads credit and collection workstream for BSS migration, automation of key bad debt recovery processes such as debt assignment to external collection agencies, CTOs, and internal blacklisting.
- Supervises internal credit collection team to maintain seamless day-to-day functions and external collectors achieving performance objectives.
- Adapts market common practice into legacy credit collection workflows, leading to implementation of service restoration fees that yields an additional RM2 million in annual revenue.
- Streamlines credit policy by integrating internal blacklist criteria alongside customer onboarding requirements, achieving consistent bad debt expense below 0.5% of total revenue and under AOP.
- Employs data analysis for deploying focused collection strategies that boosts recovery of written-off accounts against revenue by more than 90% year-over-year.
Manager - Credit Management & Collection
TM Technology Services Sdn Bhd
07.2017 - 11.2024
- Analysed, interpreted data, and provided management reports in relation to credit risk and collection performance.
- Acted as lead in executing collection improvement plans to ensure business KPIs are achieved. Successfully achieved >100% of FY2022 business KPIs i.e. AR (account receivable) day, collection to sales and outstanding debt ratios, as well as, bad debt to sales ratio.
- Provided recommendations to business stakeholders on procedure or policy changes to enhance quality of credit sales.
- Managed dunning activities and collection performance for outsourced collection agency and payment channels.
Assistant Manager - Compliance and Operational Improvement
Aeon Credit Service (M) Bhd
05.2016 - 06.2017
- Carried out compliance gap analysis to identify potential risks of non-compliance to internal policies and external regulatory requirements, and coordinated necessary improvement activities.
- Provided supports and monitored department's projects from planning, development, testing, deployment and post implementation review.
- Represented department to the weekly project monitoring committee.
- Successfully implemented automation of merchant's sales claim processing which has increased efficiency in reducing application backlogs by 60%.
Associate Analyst - Payment Systems Policy
Bank Negara Malaysia
04.2015 - 04.2016
- Reviewed applications from service providers to operate payment systems or to issue designated payment instruments e.g. e-money in accordance with the relevant guidelines.
- Undertook surveillance on the industry players and implements supervisory actions to address the risks in the payment systems.
- Implemented initiatives for the development of the payment infrastructures in Malaysia and participated in collaboration for regional or global interlinkages of the payment systems.
Assistant Manager - Card Centre
Bank Islam Malaysia Berhad
01.2012 - 03.2015
- Joined as a management trainee and underwent job rotations in Commercial Banking, Risk Management (Credit Risk), and Business Support (Treasury Operations & Trade Finance Operations).
- Acted as the Product Manager for Bank Islam University Debit Card-i (UniDebit). Instrumental in the launching of UniDebit for Universiti Malaysia Pahang (UMP) and Universiti Pendidikan Sultan Idris (UPSI).
- Developed credit card utilisation campaigns and successfully increased cardholder spending by 300% through petrol and grocery shopping campaigns.
Education
Masters - Islamic Finance Practice
International Centre for Education in Islamic Finance (INCEIF)
Kuala Lumpur12-2015
Master - Biotechnology
The Pennsylvania State University
State College, USA12-2011
Bachelor of Science - Biotechnology
The Pennsylvania State University
State College, USA05-2011
Skills
- Adaptability
- Critical thinking and problem solving
- Leadership and Teamwork
- Credit risk management
Timeline
Head of Credit (Consumer Business)
TIME DotCom Berhad
11.2024 - Current
Manager - Credit Management & Collection
TM Technology Services Sdn Bhd
07.2017 - 11.2024
Assistant Manager - Compliance and Operational Improvement
Aeon Credit Service (M) Bhd
05.2016 - 06.2017
Associate Analyst - Payment Systems Policy
Bank Negara Malaysia
04.2015 - 04.2016
Assistant Manager - Card Centre
Bank Islam Malaysia Berhad
01.2012 - 03.2015
Master - Biotechnology
The Pennsylvania State University
Bachelor of Science - Biotechnology
The Pennsylvania State University
Masters - Islamic Finance Practice
International Centre for Education in Islamic Finance (INCEIF)