RAMC, Collection & Debt Restructure

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Job Description

1.Collection Management

• •Manage and execute debt collection activities in accordance with assigned portfolios and collection strategies.
• •Contact customers through appropriate channels to follow up outstanding debts and negotiate repayment terms.
• •Monitor delinquent accounts and take timely actions to improve collection efficiency and recovery rates.

2.Debt Restructuring

• •Analyze customers’ financial conditions and assess repayment capacity (affordability analysis).
• •Propose suitable debt restructuring plans, such as repayment rescheduling or restructuring programs, based on customer circumstances.
• •Negotiate restructuring terms with customers to achieve mutually acceptable solutions and sustainable repayment outcomes.

3.Customer Negotiation and Relationship Management

• •Handle customer negotiations professionally with a focus on solution-oriented approaches.
• •Maintain good customer relationships while ensuring effective recovery and risk mitigation.
• •Address customer inquiries, concerns, and complaints related to collection and debt restructuring.

4.Compliance and Regulatory Adherence

• •Ensure all collection and restructuring activities comply with applicable laws, regulations, and internal policies, including debt collection regulations and PDPA requirements.
• •Maintain proper documentation and records related to collection and restructuring cases.

5.Reporting and Process Improvement

• •Prepare and update collection and restructuring reports for management review.
• •Identify issues, risks, and improvement opportunities within collection and restructuring processes.
• •Support initiatives to enhance operational efficiency and effectiveness of collection strategies.

Job Qualification

• •Bachelor’s degree in Business Administration, Finance, Accounting, Economics, Law, or related fields
• •1–3 years of experience in debt collection, telesales, customer negotiation, or related functions
• •Basic knowledge of collection processes, debt restructuring, and negotiation techniques
• •Ability to analyze customer financial information and assess repayment capacity
• •Strong negotiation, communication, and interpersonal skills
• •Proficient in using Microsoft Office applications (Excel, Word) and collection or CRM systems
• •Good verbal and written communication skills in Thai; English proficiency is an advantage

Preferred Qualifications

• •Experience in banking, financial institutions, or consumer lending businesses
• •Knowledge of debt collection regulations, PDPA, and relevant compliance requirements
• •Experience handling delinquent accounts and/or restructuring programs
• •Customer-oriented mindset with the ability to balance recovery objectives and customer relationships
• •Strong problem-solving skills, resilience, and ability to work under pressure

We're committed to bringing passion and customer focus to the business.

If you like wild growth and working with happy, enthusiastic over-achievers, you'll enjoy your career with us.