Collection Manager (Fleet & Automotive Finance)

Department: Risk & Operations

CLVG Group is a leading company at the forefront of enterprise Automotive innovation, renowned for its industry expertise and commitment to driving business growth. With a strong focus on creating value, CLVG Group collaborates with clients to deliver tailored solutions and achieve strategic outcomes. The company fosters a progressive work environment that emphasizes professional growth, collaboration, and excellence. CLVG Group is dedicated to empowering businesses and building long-term partnerships across industries.

As the Collection Manager, your mission is to safeguard the company's cash flow and minimize credit risk. You will be responsible for building, training, and leading a high-performance collection team focused on the Thai taxi and ride-hailing driver segment.

You aren't just managing debt—you are managing relationships and assets. We need a leader who can deep-dive into data to find out why defaults are happening and implement strategic interventions before they become losses.

We aren't looking for a bill collector. We are looking for a Strategic Problem Solver. If a specific neighborhood or car model is seeing a spike in defaults, you should be the first person to identify it, explain it, and tell the Sales team to pivot.

• Department Setup: Design and implement the end-to-end collection workflow, including Dunning (early-stage reminders), field collections, and repossession protocols.
• Performance Culture: Set clear KPIs for the team (Collection Rate, Roll Rate, and Recovery Rate) and provide the coaching necessary to hit those targets.
• Vendor Management: Manage external agencies for field collection or legal proceedings, ensuring they represent our brand professionally and ethically.

• NPL Management: Take direct accountability for bringing down the Non-Performing Loan (NPL) ratio and maintaining a healthy portfolio.
• High-Level Negotiation: Step in to handle complex or high-value default cases, utilizing charming yet firm negotiation skills to secure payments or asset returns.
• Asset Recovery: Oversee the repossession process for non-compliant drivers, ensuring vehicles are recovered safely and efficiently.

• Deep-Dive Analysis: Move beyond the what and find the why. Analyze driver demographics, payment patterns, and external factors (e.g., fuel price hikes) to predict defaults.
• Feedback Loop: Propose solutions to the Sales and Marketing teams to refine Credit Scoring and lead-quality targeting based on collection data.
• Reporting: Provide the Director and Board with transparent, real-time reports on the health of the collection bucket and aging receivables.

• Legal Stewardship: Ensure all collection activities strictly adhere to the Thai Debt Collection Act (B.E. 2558) and other relevant consumer protection laws.
• Process Improvement: Continuously audit internal processes to prevent harassment or unethical behavior while maintaining high recovery efficiency.

• Experience:5-7+ years in Debt Collection or Credit Risk Management, specifically within Automotive Finance, Hire Purchase, or Micro-finance.
• Track Record: A proven history of significantly reducing default rates and improving collection efficiency in high-volume retail segments.
• Analytical Skills: Advanced ability to use Excel, SQL, or BI tools to identify trends and perform root cause investigations.
• Resilience & Ethics: A thick skin and the ability to remain calm and professional under pressure. You must be firm but fair.
• Language: Native Thai speaker with a strong command of professional English for reporting and strategy sessions.
• Education: Bachelor's degree in Finance, Law, Accounting, or a related field.