Portfolio Quality Management (Manager - Senior Manager)

Ngern Tid Lor Public Company Limited (Phaya Thai)

Phaya Thai

Bangkok, Thailand

Ngern Tid Lor Public Company Limited (“TIDLOR”) is the leader in the fast-growing vehicle title loan market in Thailand. It is also a non-life and life insurance broker with the largest number of licensed branch staff in the country. With over 1,000 branches nationwide, the company is working to alleviate poverty in Thailand by providing fair, transparent, and convenient financial services. All Ngern Tid Lor’s operations are guided by the vision “Everything we do, we strive to empower people and enrich lives. We believe that access to fair, transparent, and responsible financial services is everyone’s right.” This is reflected through its range of products and services that create opportunities for the under-banked Thais who often lacks access to formal financing. In 2020, Ngern Tid Lor received two awards, Dream Employer of the Year and Dream Company to Work For from the Global Best Employer Brand Awards 2020. These awards reflect our commitment to creating a strong corporate culture and readiness for digital transformation to reduce financial inequality for customers and create sustainable opportunities for Thai society. For more details, please visit www.tidlor.com/th/tidlorstory.html

Detail posisi

The Portfolio Quality Management (Manager - Senior Manager) position involves overseeing account segmentation, capacity planning, collection execution strategies, performance monitoring, and collaboration with various teams to optimize resource allocation and enhance recovery rates.

Kewajiban

• Analyze customer profiles, payment behavior, and risk levels to create actionable account segments.
• Design and implement account assignment rules to allocate accounts to the appropriate team (in-house, outsourced, or hybrid).
• Ensure timely and efficient assignment based on team capacity, portfolio risk, and resource availability.
• Develop and maintain capacity planning models to optimize resource allocation and operational efficiency.
• Continuously assess team and resource availability, recommending adjustments to meet portfolio demands (e.g., capacity planning, branch network optimization, or outsourcing strategies).
• Identify and address gaps in resources or capacity to ensure smooth execution and achieve targets.
• Design and oversee tailored execution strategies for each account segment:
Cash Recovery: Accounts likely to pay with timely follow-up.
Repossession: Accounts requiring asset recovery for high-risk cases.
Special Offers: Accounts suited for settlements, negotiations, or special campaigns.
• Monitor adherence to strategies and ensure effective and timely implementation of recovery actions.
• Evaluate the impact of execution strategies and refine them to maximize recovery rates.
• Continuously monitor and evaluate the effectiveness of account assignment and resource allocation strategies.
• Refine segmentation models, assignment rules, and workflows to improve efficiency and results.
• Generate detailed reports and actionable insights for management, highlighting key performance metrics and areas for improvement.
• Collaborate with the MIS team and front-end to ensure seamless integration of account assignments into the system.
• Partner with cross-functional teams, including Risk, Marketing, and front-end, to design and execute special campaigns aligned with business goals.

Kualifikasi

• Bachelor's degree or Master’s degree in Finance, Business Administration, or a related field.
• A minimum of 7 years of experience in Data Analyst, Portfolio Management, Collections, Finance, Risk, or strategic planning roles.
• Proficiency in data analysis, with the ability to interpret complex financial data.
• Excellent interpersonal and communication skills, both written and verbal.
• Ability to collaborate effectively with cross-functional teams.