Develop and implement effective negotiation strategies to maximize loan recovery and improve collection performance. Contact customers to collect outstanding loan repayments in a professional and efficient manner. Monitor and report on collection performance and recovery progress. Manage and achieve assigned daily, weekly, and monthly collection targets and performance goals. Contact customers based on the assigned customer portfolio or collection list. Follow up with customers who have made a Promise to Pay (PTP) and ensure timely repayment. Review information provided in loan applications and verify it against supporting documents submitted by customers. Ensure all customer information, documentation, and reports are accurate, complete, and submitted within the required timelines. Verify all customer contact information recorded in the assessment forms and validate customers' bank account details. Request additional information or supporting documents when the information provided is incomplete, unclear, or insufficient. Analyze customers' repayment capacity and repayment status, and provide recommendations to the Credit Committee for decision-making. Participate in discussions and provide recommendations on appropriate repayment arrangements for complex or high-risk customer cases. Review and prepare customer supporting documents for submission to the Credit Committee for approval. Ensure all customer telephone interviews and information verification processes are conducted with high quality and in compliance with company policies and procedures. Prepare daily, weekly, and monthly reports, and participate in team meetings to review performance, discuss challenges, and develop action plans for continuous improvement. Perform other duties and responsibilities as assigned by the direct supervisor or management.
Develop and implement comprehensive digital marketing strategies aligned with the company's business objectives and growth targets. Plan, execute, and optimize digital marketing campaigns across Facebook, TikTok, Google, Telegram, and other relevant digital platforms. Manage and oversee the company's social media channels, ensuring consistent, engaging, and professional brand communication Develop creative and engaging content, including promotional campaigns, social media posts, videos, and digital advertising materials, in collaboration with internal teams or external agencies. Manage paid advertising campaigns, including campaign setup, audience targeting, budget allocation, performance monitoring, and optimization. Monitor and analyze digital marketing performance using relevant tools and platforms, including reach, engagement, leads, conversion rates, customer acquisition costs, and return on advertising spend (ROAS). Conduct market research and analyze customer behavior, digital trends, and competitor activities to identify new marketing opportunities. Develop strategies to increase customer acquisition, retention, engagement, and conversion through digital channels. Work closely with the Customer Service, Credit, Sales, and other relevant departments to ensure digital campaigns effectively support business and customer acquisition objectives. Manage the digital marketing budget and ensure marketing spending is efficient and aligned with approved plans. Prepare regular digital marketing performance reports and provide insights and recommendations to management. Stay up to date with the latest digital marketing trends, social media developments, advertising technologies, and industry best practices. Ensure all digital marketing activities comply with company policies, brand guidelines, and applicable laws and regulations. Manage relationships with external vendors, creative agencies, influencers, and other digital marketing partners when required. Perform other tasks and responsibilities as assigned by management.