JOB DETAILS
Executive, Asset Quality Management
CompanyCIMB Cambodia
LocationPhnom Penh
Work ModeOn Site
PostedAugust 6, 2026
About The Company
CIMB Bank is a subsidiary of CIMB Group. CIMB Group is a leading ASEAN universal bank, one of the largest Asian investment banks and one of the world's largest Islamic banks. In Cambodia, CIMB Bank has 12 branches in Phnom Penh, Siem Reap, Sihanoukville, Battambang and Kampong Cham, offering a wide range of banking products and services for individuals, businesses and corporates.
CIMB Bank in Cambodia is committed to building a strong and sustainable future for its customers from the very beginning, constantly striving to create opportunities and value for its customers through its products and services. Through its strong service proposition, it prides itself on not only being a financial services provider, but also a true business partner to assist customers in making the right financial and investment decisions in life.
CIMB Group is Malaysia's second largest financial services provider and one of ASEAN's leading universal banking groups. It offers consumer banking, commercial banking, investment banking, Islamic banking, asset management and insurance products and services. Headquartered in Kuala Lumpur, the Group is now present in nine out of 10 ASEAN nations (Malaysia, Indonesia, Singapore, Thailand, Cambodia, Brunei, Vietnam, Myanmar and Laos). Beyond ASEAN, the Group has market presence in China and Hong Kong, Bahrain, India, Sri Lanka, Australia, Taiwan, Korea, the US and UK.
CIMB Group is listed on Bursa Malaysia via CIMB Group Holdings Berhad. It had a market capitalisation of approximately RM52.4 billion as at 31 March 2015. The Group has over 41,000 employees located in 17 countries and the most extensive retail branch network in ASEAN of more than 1,000 branches.
About the Role
Contacting Debtors and Negotiation
- Reach out to customers who have defaulted on loans, credit payments, or bills via phone, email, letters, or in-person visits.
- Discuss reasons for non-payment and negotiate repayment plans suitable to the customer’s financial situation.
- Adjust loan terms, restructure accounts, or propose settlements where applicable 2.
Account Management and Monitoring
- Track overdue accounts and maintain detailed records of all interactions and repayment arrangements.
- Monitor repayment schedules, progress, and escalation if customers remain delinquent.
- Generate reports on collections activity, recovery rates, and account status for management 3.
Manage NPLs
- Handle high-risk and default accounts.
- Develop specific recovery plans (restructuring, legal action, settlements)
- Work to reduce NPL ratios 4.
Legal Compliance and Coordination
- Ensure all collection practices comply with local regulations.
- Collaborate with legal teams for debt recovery actions, repossession, or court proceedings if necessary.
- Review accounts for risk and recommend provisions or write-offs for irrecoverable debts 5.
Customer Service and Relationship Management
- Provide empathetic and professional service to maintain positive relationships with borrowers while enforcing repayment obligations.
- Serve as a liaison between clients, internal teams, and external agencies to resolve disputes and address account issues.
Reporting and Analysis
- Prepare management information reports to illustrate portfolio performance, recovery trends, and problem accounts.
- Analyze borrower data to design collection strategies and optimize recovery efficiency.
Knowledge Skills and Experience:
- Tertiary qualification in Economic, Accounting & Finances, or related field.
- Typically, 6-8 years in banking with at least 3-4 years’ experience in asset quality management such as collection & recovery.
- Strong analytical skills.
- Understand local regulatory requirements.
- Strong negotiation, persuasion and problem-solving skills.
- Ability to work under matrix and demanding environment.
- Strong communication and interpersonal skills.
- Attentive to detail and accuracy.
- Good English both speaking and writing.
- Computer literacy in MS Word, Excel and Power Point.
We encourage candidates from all backgrounds to apply.
Key Skills
Debt recoveryNegotiationAsset quality managementAccount managementFinancial analysisLegal complianceReportingProblem-solvingCommunicationInterpersonal skillsMS WordExcelPower PointRisk managementAnalytical skills
Categories
Finance & AccountingManagement & LeadershipCustomer Service & SupportLegal
Job Information
📋Core Responsibilities
The role involves managing high-risk and default accounts by negotiating repayment plans and restructuring debt to reduce non-performing loans. Additionally, the incumbent will monitor account performance, ensure legal compliance, and prepare detailed recovery reports for management.
📋Job Type
full time
📊Experience Level
5-10
💼Company Size
498
📊Visa Sponsorship
No
💼Language
English
🏢Working Hours
40 hours
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