Led a team in daily operations of Debt Recovery functions and Risk Management.
Specialist in the Risk & Debt Collection/Recovery industry.
Improved customer satisfaction and drove overall operational improvements.
Consistently saved costs while increasing profits.
Cultural change driver and proven success leader in leadership and organizational development.
Recognized for inspiring management team members to excel and encourage creative work environments.
Overview
21
21
years of professional experience
1
1
Certification
Work History
Head of Unit - Agency Management / SME & Site Visit
CIMB Group
02.2021 - Current
Responsible for the overall collection function and efficiency of Debt Collection Agency Management, SME Post Impaired & Site Visit Management that contribute to Bad Debt Recovery & Loan Loss Provision
Key Focus Point for the bank wide cultural transformation initiative
Coordinating change agents and responsible for culture adaptation of 1,400++ staffs in the division
Involved with team building, workshops, cultural day and relevant change initiatives.
Head of Department (Recovery)
RCE Capital Berhad
01.2019 - 01.2021
Ensured smooth operations and controls for Recovery Department.Support CEO/Head of Division by taking charge in all Recovery matters.
Reduced arrears for Stage 1, Stage 2 (Pre-NPL) accounts and recovered from NPL and Written Off accounts (Stage 3).
Met budget set for Recovery (ECL, NPL Ratio).
Compliance & Simplification initiatives.
Unit Head of Unsecured Recoveries & Agencies
OCBC (M) Berhad
07.2009 - 12.2018
End to end Recovery, Agency and Field visitation management
Heading a team to handle daily operation of bank's Recovery functions internally as well as via field visit officers and external debt collection agency (6 agencies in total)
Handling audits, collections and outsourcing regulations
Leading bank's initiative in obtaining BNM approval for new product outsourcing as well as new empanelment of new debt collection agencies.
Manager
HBG Solutions (Debt Collection Agency)
01.2007 - 01.2008
Supervise collection officers dealing with day-to-day credit management functions for banking client.
Supervisor - Unsecured 30dpd
Citibank Berhad
01.2003 - 01.2007
Supervise a team of collection officers dealing with day-to-day collection for Citibank's Credit Card tardy accounts
Education
Master of Business Studies/Administration/Management (Business & Marketing) -
University of Sunshine Coast
Australia
01.2009
Postgraduate Diploma in Marketing -
Chartered Institute of Marketing (CIM)
United Kingdom
01.2003
Certification
Google - Project Initiation: Starting a Successful Project, Google, 09/2023
Google - Foundations of Project Management, Google, 09/2023
Designed, coded, tested, debugged, and migrated components of a Front-End application, using the following ISPF Dialog Manager Tools: Panels, Messages, Tables and Skeletons, along with REXX Execs, which facilitated Subject Matter Expert’s (SME’s) identification and extraction of Endevor elements, to prepare for transfer to a LINUX-based system named, “Informatica”. SMEs used Informatica to prepare the downloaded element’s flows to identify technical debt, so that the Agency could migrate away from, what it considered, Legacy development languages. This was due to the shrinking pool of expertise and availability of Legacy Language talent pool.Supplied support to many other mainframe developers, via a tool called Workbench from Allen Systems Group (ASG).The tool was a Data Resource Management System (DRMS) Facility, which provided a repository for and management of COBOL, HLASM, and CICS development metadata. Also managed by the tool were various other elements, such as user access, and Dynamic Table Access Management (DTAMS).Using JCL, REXX, Endevor, TADz, Workbench, and CyberFusion on the mainframe and UltraEdit, MS Access and Excel on the Network, developed a very extensive and complex spreadsheet, for a Tech 14 to evaluate and ultimately present to the Associate Commissioner and other higher-level SSA management. The spreadsheet was a depiction of the overall scope and effort that needed to transition from Workbench (SSA no longer received support for the product), and it aided the Tech 14 in his future presentation.Coding, testing, debugging, and migrating programs (HLASM/COBOL/CICS/Db2/IMS), routines, copybooks, and macros, in support of multiple applications across the Agency.Created and maintained numerous ISPF REXX and CLIST scripts.Created and updated Standard Operating Procedures (SOP) and User manuals, using M365 Tools, including VISIO Pro.Created and supported many MS Access and Db2 SQL scripts, to access and update related databases and tables.Involved in the testing of zOS Multi-Factor Authentication (zMFA), which supplanted Single Sign-On (SSO) at the Agency. zMFA provides multiple levels of authentication and thus, greater levels of security.Participated in Daily Stand-ups/Weekly/and Monthly and other Agile-Related meetings on multiple Teams.Maintained Team SharePoint sites (pages) which later were ported to Confluence. at Leidos, Inc., for Social Security AdministrationDesigned, coded, tested, debugged, and migrated components of a Front-End application, using the following ISPF Dialog Manager Tools: Panels, Messages, Tables and Skeletons, along with REXX Execs, which facilitated Subject Matter Expert’s (SME’s) identification and extraction of Endevor elements, to prepare for transfer to a LINUX-based system named, “Informatica”. SMEs used Informatica to prepare the downloaded element’s flows to identify technical debt, so that the Agency could migrate away from, what it considered, Legacy development languages. This was due to the shrinking pool of expertise and availability of Legacy Language talent pool.Supplied support to many other mainframe developers, via a tool called Workbench from Allen Systems Group (ASG).The tool was a Data Resource Management System (DRMS) Facility, which provided a repository for and management of COBOL, HLASM, and CICS development metadata. Also managed by the tool were various other elements, such as user access, and Dynamic Table Access Management (DTAMS).Using JCL, REXX, Endevor, TADz, Workbench, and CyberFusion on the mainframe and UltraEdit, MS Access and Excel on the Network, developed a very extensive and complex spreadsheet, for a Tech 14 to evaluate and ultimately present to the Associate Commissioner and other higher-level SSA management. The spreadsheet was a depiction of the overall scope and effort that needed to transition from Workbench (SSA no longer received support for the product), and it aided the Tech 14 in his future presentation.Coding, testing, debugging, and migrating programs (HLASM/COBOL/CICS/Db2/IMS), routines, copybooks, and macros, in support of multiple applications across the Agency.Created and maintained numerous ISPF REXX and CLIST scripts.Created and updated Standard Operating Procedures (SOP) and User manuals, using M365 Tools, including VISIO Pro.Created and supported many MS Access and Db2 SQL scripts, to access and update related databases and tables.Involved in the testing of zOS Multi-Factor Authentication (zMFA), which supplanted Single Sign-On (SSO) at the Agency. zMFA provides multiple levels of authentication and thus, greater levels of security.Participated in Daily Stand-ups/Weekly/and Monthly and other Agile-Related meetings on multiple Teams.Maintained Team SharePoint sites (pages) which later were ported to Confluence. at Leidos, Inc., for Social Security Administration