Collection Analyst

About GXS Bank

GXS Bank is a dynamic regional digital banking group transforming financial services across Southeast Asia. Our mission focuses on empowering big dreams and enhancing financial inclusion with a strong foundation built on data, technology, and trust. We are committed to making meaningful impact through our team members who Own The Mission and help shape the future of digital banking.

Role Overview

The Collection Analyst position involves managing a portfolio of business banking accounts to maximize recovery rates and minimize overdue payments. This role requires collaborating closely with cross-functional teams including Credit Risk, Legal, and external agencies, executing recovery strategies that align with the bank's values, and ensuring delinquent accounts are resolved efficiently. You will take full responsibility for the daily management, compliance adherence, and achievement of recovery targets for your assigned accounts.

Key Responsibilities

• Conduct daily collection tasks and manage account assignments within the commercial portfolio to achieve recovery objectives.
• Handle moderately complex recovery cases and escalate sensitive issues to senior personnel when needed.
• Utilize strong negotiation capabilities while ensuring compliance with regulatory requirements during customer interactions.
• Adhere strictly to legal, regulatory, and internal policies in all personal collection activities.
• Identify operational inefficiencies and propose improvements to enhance team performance and recovery results.
• Assist in the review and update of standard operating procedures and collection documentation.
• Monitor portfolio data, analyze delinquency patterns, repayment schemes, and settlement proposals to provide insightful data-driven reports.
• Coordinate with external Debt Collection Agencies (DCAs) to oversee their service level agreements and compliance standards.
• Prepare necessary documentation for legal cases, court proceedings, and creditor meetings.
• Work closely with Credit Risk and business units to highlight risk areas and segments with increasing delinquency based on portfolio monitoring.
• Support system upgrade projects by engaging in User Acceptance Testing and documenting system concerns.

Candidate Requirements

• Between 1 to 3 years of experience in credit collections, recoveries, or credit risk within banking or financial institutions.
• Comprehensive understanding of collection and recovery processes especially related to commercial or corporate banking sectors.
• Robust analytical skills to interpret data, identify delinquency trends, and develop portfolio performance reports.
• Strong communication and negotiation expertise with a history of managing challenging customer interactions professionally.
• A collaborative team player able to effectively work across multiple business units.
• Experience in collaborating with external vendors or supporting legal recovery efforts is beneficial.