Peeradet Rodjinda

With over 9 years of experience in the financial industry, specializing in Debt Collection Specialist, Debt Restructuring, and Non-Performing Loan (NPL) handling, I have developed strong strategic, analytical, interpersonal, and negotiation skills. Proven ability to manage loan portfolios, mitigate credit risk, and implement effective resolution strategies to improve asset quality. I am highly motivated, adaptable, and committed to continuous learning.

I am confident in my ability to contribute my expertise and deliver value to the organization.

Asset Quality Management Officer at KASIKORNBANK Public Company Limited (2024-01 – Present)

• Manage assigned portfolios for clients with early-stage delinquencies, covering both personal loans and small-to-medium enterprise (SME) loans.
• Contact and negotiate with clients to follow up on installment payments and restore their accounts to normal repayment status.
• Review and analyze client financial documents, including bank statements, balance sheets, income statements, and cash flow statements.
• Verify important documents, legal contracts, and collateral information to ensure accuracy and full compliance with bank regulations and policies before submitting for approval.
• Analyze data and formulate strategies for debt management, proposing various aspects of debt restructuring.
• Present credit products, write credit approval requests, and request renewals for various credit lines.
• Manage non-cooperative debtors through measures such as debt offsetting, TCG (Thai Credit Guarantee Corporation) claims, requesting approval for civil litigation, issuing writs of execution, accelerating collateral foreclosure, accelerating public auctions (including requesting approval for reserve price settings), asset tracing for seizure, and requesting approval for bankruptcy proceedings (including the process of filing debt repayment claims in bankruptcy cases).
• Handle the write-off process for bad debt.

Asset Management Officer at Bangkok Commercial Asset Management (BAM) (2016-09 – 2023-12)

• Establish and manage procurement processes for purchasing non-performing loans (NPLs) from various financial institutions by verifying important documents, legal contracts, collateral information, and legal case documents to ensure full accuracy and compliance with debt acquisition criteria.
• Manage assigned portfolios, covering both personal loans and small-to-medium enterprise (SME) loans.
• Review and analyze client financial documents, including bank statements, balance sheets, income statements, and cash flow statements.
• Contact and negotiate with clients, analyze client data, and formulate strategies for debt management by proposing various aspects of debt restructuring.
• Manage non-cooperative debtors through measures such as requesting approval for civil litigation, issuing writs of execution, accelerating collateral foreclosure, accelerating public auctions (including requesting approval for reserve price settings), asset tracing for seizure, and requesting approval for bankruptcy proceedings (including the process of filing debt repayment claims in bankruptcy cases).
• Handle the write-off process for bad debt.

Master of Business Administration (MBA) in Management – Ramkhamhaeng University (2022)

Bachelor of Economics in Economics – Kasetsart University (2016)