Head, Asset Quality Management Department
# Head, Asset Quality Management Department **PNS ASQ Asia Sdn Bhd** · Kuala Lumpur · `On-site` 🕒 **Статус:** *Опубликовано: сегодня* · *Источник: Indeed* --- ### About the Role A. JOB SUMMARY Lead and manage Intervention and Recovery functions of Pernas Group to strengthen asset quality, minimise non-performing financing (NPF) and credit losses and maximise the recovery of outstanding financing. The role is responsible for developing asset quality strategies, overseeing the management of distressed financing accounts, monitoring departmental performance and ensuring that intervention and recovery activities are carried out effectively in accordance with approved policies, procedures and applicable regulatory requirements. B. KEY RESPONSIBILITIES 1. Asset Quality Strategy and Portfolio Management - Develop and implement strategies to improve asset quality, manage financing risks and minimise NPF and potential credit losses. - Oversee the monitoring and assessment of the financing portfolio to identify deteriorating accounts, emerging risks and accounts requiring intervention or recovery action. - Review portfolio performance, delinquency trends, NPF levels and recovery outcomes to determine appropriate remedial strategies and corrective actions. - Establish departmental KPIs, performance targets and action plans to improve asset quality and achieve approved business objectives. - Recommend improvements to asset quality management policies, procedures and practices to strengthen portfolio performance and operational effectiveness. 2. Intervention Management - Oversee the early identification and assessment of financing accounts showing signs of delinquency, financial distress or potential default. - Direct the implementation of appropriate intervention strategies, including borrower engagement, repayment arrangements, rescheduling and restructuring (R&R) and other remedial measures where applicable. - Review and evaluate R&R and other remedial proposals before submission to the relevant approving authority. - Monitor the implementation and effectiveness of approved intervention plans to improve repayment performance and minimise further deterioration of financing accounts. - Ensure timely escalation of high-risk or deteriorating accounts and coordinate with relevant departments and stakeholders to facilitate appropriate resolution. 3. Recovery Management - Develop and oversee recovery strategies to maximise the collection of outstanding financing and minimise potential credit losses. - Oversee recovery actions for delinquent and defaulted accounts, including negotiations, amicable settlements, enforcement of available security and legal proceedings where applicable. - Review recovery proposals and settlement arrangements before submission to the relevant approving authority. - Monitor recovery progress, outstanding balances and the effectiveness of recovery strategies, ensuring timely follow-up and escalation of unresolved cases. - Oversee the monitoring of approved repayment, settlement and recovery arrangements to support the resolution of outstanding accounts and reclassification of accounts where applicable criteria are met. 4. Governance, Performance Monitoring and Reporting - Ensure intervention and recovery activities comply with approved financing policies, internal procedures, delegated authority and applicable regulatory requirements. - Review departmental performance reports, portfolio analysis, NPF trends, recovery results and budget utilisation to assess performance against approved targets. - Prepare and present periodic reports, performance updates and recommendations to the CFOO, Management and relevant committees. - Ensure proper review, documentation and maintenance of records relating to intervention, restructuring, settlement and recovery activities to support audit and management requirements. - Monitor audit findings, compliance issues and agreed corrective actions relating to asset quality management, ensuring timely resolution. 5. Leadership and Stakeholder Management - Provide strategic direction and oversee the performance of the Intervention and Recovery sections to ensure alignment with departmental objectives. - Manage departmental resources, budget and staff performance, and develop team capabilities to improve productivity and effectiveness. - Coordinate with relevant internal departments, external solicitors, recovery agents and other stakeholders to facilitate effective intervention and recovery outcomes. - Identify opportunities for process improvement, system enhancement and stronger coordination to improve asset quality management and recovery performance. C. ROLE REQUIREMENTS - A Bachelor’s Degree in Finance, Banking, Economics, Business, Commerce or an equivalent professional qualification. - Significant progressive experience (8–10+ years) in credit management, risk assessment or debt recovery, with a substantial portion spent in a senior leadership or managerial capacity within a banking or financial institution environment. - Deep expertise in loan portfolio monitoring, financial risk tracking, credit risk restructuring systems and local investment market trends. - Strong negotiation and relationship-building skills to manage settlement processes, alongside advanced capabilities in analytical data tracking and report writing. Benefits: - Health insurance - Maternity leave - Opportunities for promotion - Professional development Work Location: In person
Наблюдалась 2026-10-20, впервые 2026-10-20, источник — Indeed.