Wei Yin Wong
Cheras
Summary
Seasoned Banking Professional with nearly 20 years of experience in Retail Credit Management, Collections, and Non-Performing Loan (NPL) recovery. Proven track record in minimizing delinquency, negotiating complex repayment structures, and managing legal recovery processes (foreclosure, auctions, insolvency). Skilled in regulatory compliance, stakeholder management, and team leadership, consistently meeting performance targets and driving operational efficiency.
Overview
19
19
years of professional experience
Work History
Assistant Vice President, Retail Credit Management
UNITED OVERSEAS BANK (UOB)
08.2010 - Current
- NPL Recovery & Strategy: Manage a portfolio of secured Non-Performing Loans (NPL), employing strategic negotiation to maximize recovery through repayment arrangements, restructuring, and settlements.
- Legal & Foreclosure Management: Coordinate end-to-end legal proceedings, including issuing notices, managing foreclosure actions, and overseeing public auctions in strict adherence to bank policies and regulatory frameworks.
- Post-Auction Administration: Manage post-auction processes such as reconciling sale proceeds, verifying entitlements, processing surplus refunds, and addressing shortfall recoveries.
- Stakeholder Collaboration: Liaise effectively with panel solicitors, auctioneers, insolvency departments, and internal stakeholders to ensure timely execution of legal documentation and safeguard the bank’s interests.
- Compliance & Reporting: Prepare comprehensive proposals for management review, monitor statutory outgoings (quit rent, assessment), and ensure accurate filing of Proof of Debt for bankrupt customers.
- Key Achievement: Selected as a User Acceptance Tester (UAT) for Islamic Banking systems (2015) and consistently met recovery targets.
Negotiator, Retail Collection Center
CIMB BANK
07.2007 - 07.2010
- Delinquency Management: Managed a high-volume portfolio of delinquent ASB and Unsecured Loan accounts (2–3 months in arrears), focusing on minimizing flow-through to NPL status.
- Repayment Negotiation: Conducted outbound collection calls to negotiate repayment plans, restructure facilities, and provide financial counseling to distressed customers.
- Performance Excellence: Awarded "RCC’s IDOL" (Dec 2008 & Jan 2009) for outstanding collection performance and consistently achieving departmental targets.
Education
Bachelor of Business Administration (Hons) -
Universiti Tunku Abdul Rahman (UTAR)
05-2007
Unified Examination Certificate (UEC) & SPM -
Chong Hwa Independent High School
Kuala Lumpur01-2003
Skills
- Retail Credit Management
- NPL Recovery
- Litigation Process
- Microsoft Office
- SPSS
- SQL
Custom
Retail Credit Management, NPL Recovery, Litigation Process, Microsoft Office (Excel, Word, PowerPoint, Access), SPSS, SQL, Mandarin/Chinese, Native, English, Professional Working Proficiency, Bahasa Malaysia, Professional Working Proficiency
Timeline
Assistant Vice President, Retail Credit Management
UNITED OVERSEAS BANK (UOB)
08.2010 - Current
Negotiator, Retail Collection Center
CIMB BANK
07.2007 - 07.2010
Bachelor of Business Administration (Hons) -
Universiti Tunku Abdul Rahman (UTAR)
Unified Examination Certificate (UEC) & SPM -
Chong Hwa Independent High School