3
CONTENTS 1. THE COMPANY
5
2. EXECUTIVE SUMMARY
6
4. MANAGEMENT PROFILE
9-10
DEBT COLLECTION SERVICES 5. ORGANIZATION CHART – DEBT COLLECTION SERVICES
12
6. OUR CLIENTS
14-16
7. COLLECTION PROCESS FLOW CHART
19
8. OPERATION
20
9. COMPLIANCE
21
10. QUALITY ASSURANCE
22
11. THE SYSTEM
22
12. SERVICES RENDERED
23
13. CODE OF CONDUCT & PROFESSIONAL REPRESENTATION
24-25
14. GEOGRAPHICAL COVERAGE
26
15. PROFESSIONAL CHARGES
27
SUMMARY 16. CONCLUSION
28
17. LICENSES & CERTIFICATES
30-33
5
THE COMPANY NAME : RIDZLAN & PARTNERS SDN BHD (Co.No: 1198653-P)
OPERATION OFFICE & CORRESPONDENCE ADDRESS : D-3-23A, PUTRA MAJESTIK, LOT 29, JLN KASIPILLAY, OFF JALAN SULTAN AZLAN SHAH, 51200 KUALA LUMPUR 03 4050 7474 / 03 4050 7575 / 03 4050 7676
CONTACT PERSON : MOHD AZLAN SUBAHAN Mobile No : 019-683 6886 / 012- 335 3144 Email : azlan@ridzlanpartners.com MOHAMED NURUL AMIN Mobile No : 010-9899916 Email : amin@ridzlanpartners.com
Board of Directors
: MOHD AZLAN SUBAHAN : DR MOHD ZAMRI MD SULTAN : MADAM FARWIN NISA
Paid up Capital Authorised Capital Bumiputera Equity Total No. of Employees Bankers and Financiers
: RM 100,000.00 : RM 500,000.00 : 100% BUMIPUTRA : 70 : MALAYAN BANKING BERHAD
For more information, please visit Ridzlan & Partners Sdn. Bhd. website at www.ridzlanpartners.com
6
EXECUTIVE SUMMARY
We have a mix of legal and debt collection knowledge and experience, and are headed by a professionally qualified management team. This management team has extensive experience in the finance,
RIDZLAN & PARTNERS SDN BHD IS RAPIDLY EXPANDING MALAYSIAN COMPANY INCORPORATED IN AUGUST 2016 PROVIDING A FULL RANGE OF DEBT COLLECTION SERVICES.
manufacturing, trading, debtor management, debt recovery and legal fields. Such a blend of experience ensures that the client benefits from accurate and objective advice on debt collection and risk management needs and progress in order to achieve a successful debt collection programmed.
RIDZLAN & PARTNERS Sdn Bhd was
The company business policy is
established to provide its services in
based on the concept of building
aiding credit organizations the uphill
lasting relationship, client satisfaction,
task of recovering loans. The Company
providing the best possible solution
is committed to providing the highest
at minimum cost and to continually
quality service to clients with the ability
inform of our debt recovery efforts. The
to meet the growing and changing
Company emphasizes it professional
debt recovery needs and demands
approach in this business in order to
of the Malaysian business sector. The
protect the good name of its clients. Its
Company also stresses the importance
cost-effective approach also ensures its
of accessibility and prompt response to
clients of maximum benefit.
its clients’ requirements.
7
OUR MISSION TO SUPPLY PROFESSIONAL CREDIT RECOVERY SERVICES TO CORPORATE, SMALL MEDIUM ENTERPRISE AND INDIVIDUALS.
PERFORM BEYOND EXPECTATIONS SO THAT OUR CUSTOMER ARE CONTINUALLY LOYAL, OUR EMPLOYEES, THE COMPANY IS STRENGTHENED BY PROFITABLE GROWTH AND OUR GOAL OF LEADERSHIP IS ACHIEVED
8
MANAGEMENT PROFILE
9
MOHD AZLAN SUBAHAN MANAGING DIRECTOR
As the Director Of Ridzlan & Partners Sdn Bhd, he has been in the debts collection more than twenty years (20) of working experience and in Credit Managements. He is experienced in handling debt collection for established organization in Malaysia. He is responsible to recover the bad debts for most of the leading financial institution and also has gained vast experiences in co-coordinating the collection team day-by-day activities. His recognition and expertise in risk management is undoubtedly beneficial to the company, as it would certainly boost the performance of debt recovery and benefit the business productivity. Being a hands-on person together with his persistence and unique ability to negotiate and his inter-personal skills he has managed to grow a pool of dedicated and professional collectors and negotiators that establish Ridzlan & Partners Sdn Bhd as a significant player in the industry. He has been certified in management and Information Technology. With these experiences and his burning desire to venture into the business sector, that initiated him to perform well in Ridzlan & Partners Sdn Bhd.
10
MOHAMED NURUL AMIN CHIEF EXECUTIVE OFFICER (CEO)
As the CHIEF EXECUTIVE OFFICER (CEO) of Ridzlan & Partners Sdn Bhd, he has proven success in Personal Financial Services and Risk & Recoveries, with over twelve years (12) experience in the capacities of Debt Recoveries. He has responsible managing Recovery Team, Field Visit Team and Administration Dept.He also well verse with the clients compliance and Business Improvement Revenue. Being a hands-on person, he also has his own skills in Influence and Negotiation, customer oriented mind-set, managing teams effectively to achieve excellence, planning and organizing to produce results, In depth undertaking of bank’s products and procedures, knowledge of bank’s risk/ compliance/audit standards. He has been certified Diploma in Business Management. With these experiences and his burning desire to venture into the business sector, that initiated him to perform well in Ridzlan & Partners Sdn Bhd.
11
ORGANIZATION CHART
12
INFORMATION ON DEBT COLLECTION SERVICES
14
OUR CLIENTS
PRODUCT CREDIT CARD, MEP, PERSONAL LOAN, UCEP, GEP, BUSINESS LOAN (SME)
GENERAL EASY LOAN
BILLING PHONE
STAFF LOAN
STAFF LOAN
STAFF LOAN
GENERAL EASY LOAN
15
OUR CLIENTS
PRODUCT
STUDENT LOAN
PERSONAL LOAN BUSINESS LOAN(SME)
CAR RENTAL
STUDENT LOAN
STUDENT LOAN
STUDENT LOAN
STUDENT LOAN
16
OUR CLIENTS
PRODUCT
STUDENT LOAN
STUDENT LOAN
STUDENT LOAN BUSINESS LOAN (SME)
STAFF LOAN
YAYASAN NEGERI SEMBILAN
PERSONAL LOAN
PERSONAL LOAN
17
OUR CLIENTS
PRODUCT
18
OUR CLIENTS PRODUCT EXPERIENCE
Personal Financing, Easy Payment (MEP,GEP), Credit Card
General Easy Payment (Super Bikes)
General Easy Payment (House Product)
Personal Loans
Medical & Hospital Insurance
University & Colleges Education Loans
19
COLLECTION PROCESS FLOW CHART
20
OPERATIONS A case for using Ridzlan & Partners Sdn Bhd. Ridzlan & Partners Sdn Bhd current clients mentioned above have valid cost-effective reasons for contracting us to undertake collections on their behalf. These reasons apply to any organization desirous to engage our service and some explained below:
A. The Collection process can sometime be costly with the payment of salaries to
collection staffs, not to mention their overtime, medical and health benefits, medical
leave, bonuses etc. By contracting Ridzlan & Partners Sdn Bhd such costs are passed
to us, thus benefiting these cost savings.
B. In addition organizations also have nothing to lose as the only cost is incurs is the
commissions paid to us. As we work on a ‘’NO COLLECTION – NO COMMISSION’’
basis there is no additional costs involved.
C. In cases where clients (account holders) have shifted and /or absconded the cost of
D. Ridzlan & Partners Sdn Bhd has already in force its networking to affect this skip
E. Overall it is more cost effective to appoint Ridzlan & Partners Sdn Bhd rather than
F. However the greatest underlying advantage is our-sourcing collections are the
associated cost-saving benefits in addition to our manpower, collection expertise
and networking in locating delinquents.
skip tracing them is borne by Ridzlan & Partners Sdn Bhd.
tracing.
to let overdue accounts lie idle.
21
COMPLIANCE COMPLIANCE We comply with both the letter and the spirit of all relevant regulations as follows:
• AMLA 2001 (Anti-Money Laundering and Anti-Terrorism Financing Act)
• PDPA2010 (Personal Data Protection Act)
• IFSA2013 (Islamic Financial Services Act)
• FSA2013 (Financial Services Act)
• AKPK (Agensi Kaunseling Pengurusan Kredit)
• Malaysian Consumer Trade & Practice
• Treating customers fairly
DATA PROTECTION & SECURITY
Managing data
• Information submitted to Ridzlan & Partners Sdn. Bhd. is automatically
encrypted through our server which resides in the building. This information
remains
accessed by authorized personnel. Expired information is purged through
formal disposal procedures.
• Backup tapes are encrypted and password protected.
• Purging of expired account.
Employees
• Security awareness program.
• Criminal background checks
• USB,CD-RM and other external data storing devices blocked.
Facility security
• The Ridzlan & Partners Sdn. Bhd. data and operational facility is video
Back-up contingency plan
• In the instance of a disaster, Ridzlan & Partners Sdn. Bhd. maintains a hot
site
continued from the site.
encrypted
on
the
database
and
is
password
protected
unless
recorded. Cameras are placed strategically in the premises.
that
will
restore
all
systems
within
hours
and
operation
can
be
22
QUALITY ASSURANCE To ensure consistent service delivery we have implemented the following procedures to provide quality services. These procedures include:
• Regular training for staff of all levels
• Regular emails and calls to track case progress
• Monthly report for clients review
• Initial risk assessment of each case
In order to continue to measure and provide effective Quality Management Services, we have implemented the following procedures, in order to continuously improve our services and meet customer satisfaction. These processes include:
• Managing complaint by cross referencing with recordings from voice logger
• Monitoring call using built in voice logger
• Regular reviews of internal management processes
• Monthly reviews of the performance and cost effectiveness of staffs
• Monitoring of SMS sent
THE SYSTEM
COLLECTION SOFTWARE THAT’S EFFICIENT TO MANAGE AND CONFIGURE Annecto delivers value by greatly enhancing overall efficiency. Sophisticated workflow speeds up collections by letting you set rules and handling instructions for each type of debt in your inventory. A few mouse clicks tailors work activity for specific creditors and debtors at one or more office locations.
23
SERVICE RENDERED A
MONITORING Constant monitoring of defaulting
F
RISK MANAGEMENT Propose / provide practical
accounts via telephone on a
business solutions in assisting
systematic basis.
clients to minimize debt risk and maximize returns.
B
CORPORATE COLLECTIONS Conduct or Manage large
G
DEBTOR MANAGEMENT COUNSELING
volumes of debt recovery and
Monitor Existing debtor
collection for rapid results.
management and provide / propose strategic counseling pertaining Debtor Management Control.
C
PROFESSIONAL CORRESPONDENCE
H
PAYMENT ARRANGEMENT Prompt payment arrangements
Furnish clients with professional
upon collection via proper
communiquĂŠ recommending best
monitoring and reporting system.
means of recovery.
D
FINAL NOTICE STATIONERY Providing final notice stationery
I
SEARCHES Conduct effective searches from
for more effective, result oriented
various Government agencies and
and prompt debtor repayments.
other relevant sources by gaining immediate access for relevant information / data.
E
CUSTOMIZED COLLECTION SYSTEM Plan and implement flexible,
J
SUMMARY PROGRESS REPORT Status
report
indicates
the
feasible and cost effective
sequence of action and mode of
debt recovery programmed
recovery undertaken on weekly /
customized to suit clients
monthly and ad-hoc basis.
specifications.
24
CODE OF CONDUCT & PROFESSIONAL REPRESENTATION Ridzlan & Partners Sdn Bhd - Obligation to Clients.
A. Ridzlan & Partners Sdn Bhd recognized that in the course of initiating collections for
our clients we are representing a reputable organization and thus will take all
efforts to protect the reputation of our clients. No methods or tactics used by us will
be inconsistent with or repugnant to the policies of our clients.
B. While Ridzlan & Partners Sdn Bhd shall use its best efforts to ensure maximum
recovery on all accounts referred to us, we shall at times comply with all laws and
regulations governing the conduct of the legal profession, debt collectors, and
commercial agents and like persons.
Staff Conduct
A. All Ridzlan & Partners Sdn Bhd staff (collectors and clerical) is well trained and
professional in handling client’s accounts. Upon completion of their basic training,
all collectors undertake to abide by the Company’s code of conduct. Periodic
in-house training and seminars are conducted to further sharpen their collection
and negotiation skills.
B. As our collectors are also representing reputable clients when visiting an account
holder, a strict dress code is forced. All our collectors must be properly attired i.e.
long sleeved shirts and pants which must be clean and pressed. A necktie is
compulsory. T-shirts, shorts and jeans are strictly forbidden.
C. Furthermore, any staff found to have been using abusive language, threats or strong
arm tactics will be immediately dismissed. This clause is clearly included in their
terms and conditions of service.
25
D. To help our clients alleviate any doubts about Ridzlan & Partners Sdn Bhd collectors,
the Company will furnish them with a list of all collectors who will be handling their
accounts. Our clients are at liberty to undertake any third party check to vet their
background and thus their suitability to handle their accounts. Only those collectors
approved by our clients will work on their accounts.
Secrecy Clause
A. Ridzlan & Partners Sdn Bhd assures our clients that it will not disclose any
information concerning their account holders to any person or persons at any time.
All staff of Ridzlan & Partners Sdn Bhd, whether clerical or collectors are required to
sign an internal Declaration of Secrecy as an employee.
B. With regards to our clients, staff will also require signing specific forms to this effect
and there forms will be presented to our clients (if required) for their keeping.
Any breach of this clause shall result in the termination of the services of that
particular collector.
26
GEOGRAPHICAL COVERAGE Currently, Ridzlan & Partners Sdn Bhd is doing recovery for the whole Malaysia. This is inclusive of calling customer and also filed visiting through their last known address (business venue & house venue).
A
As Negeri Sembilan and Melaka are
C
Currently it is not economical for
easily accessible, these areas are
Ridzlan & Partners Sdn Bhd to open
covered from KL. Initial contact is
a few branches. Hence, collections
attempted by telephone. Irrespective
will be conducted through our office
of this a team of collectors make a
in KL. It is for our close monitoring
field visit to states every fortnightly.
and to reduce operational cost.
More frequent visits are made in the workload warrants it.
B
Similarly, Perak and Johor state are
D
As other major towns in Pahang like
covered and the same operational
Bentong, Mentakab and Temerloh
procedure as Negeri Sembilan and
are closer to KL they are covered
Melaka apply.
by a day trip (depend on number of cases).
27
PROPOSE PROFESSIONAL CHARGES
DEBT RECOVERY
FEES PERCENTAGE
Accounts : Less than 6 months
Negotiable
Accounts : 7 months to 12 months
Negotiable
Accounts : Above 12 months
Negotiable
Billing The billing process will be straightforward and simple. Ridzlan & Partners Sdn Bhd will only bill our clients all monies collected, and in the case of cheques, after clearance. An invoice will be submitted monthly to our client listing all accounts for which collection was done in the previous month and the amount collected. The client will then check against their records to verify their collections. Only then do we expect the client to authorize payment.
Collection Services Agreement It is normal practice to enter into a Collection Services Agreement once the client has agreed to appoint Ridzlan & Partners Sdn Bhd as their collection agency. This agreement will clearly specify among others, Ridzlan & Partners Sdn Bhd mode of operation, and obligations of both parties and safeguards in relation to both parties. The underlying aim is to set out clearly what the obligations for both parties are in relation to each other.
28
CONCLUSION We thank you for the opportunity to submit this proposal and shall be pleased to meet you and discuss the same if this is considered necessary. You will find that our proposal provides you with the quality work and timely service at a reasonable price. We trust that this summary will be of assistance to you. Please do not hesitate to contact us if you need any further information and more details on any of the points discussed in this profile. We certainly look forward to building a long-term business relationship with your esteemed organization.
29
LICENSES & CERTIFICATES
30
31
JABATAN KASTAM DIRAJA MALAYSIA
PUSAT PEMPROSESAN GST ARAS 1, BLOK A, KOMPLEKS KASTAM WPKL, JALAN SS 6/3, KELANA JAYA 47300 PETALING JAYA SELANGOR Telefon Faksimile Laman Web E-Mel
: : : :
03-78067200 / 1-300-88-8500 03-78067599 www.gst.customs.gov.my ccc@customs.gov.my
RIDZLAN & PARTNERS SDN BHD D-3-23A, PUTRA MAJESTIK, JALAN KASIPILLAY OFF JALAN SULTAN AZLAN SHAH, 51200 KUALA LUMPUR KUALA LUMPUR
Ruj Kami
: L0874531584
Tarikh No. CBP Stesen
: 29-01-2017 : 000473935872 : Kuala Lumpur
Tuan, KEPUTUSAN PERMOHONAN PENDAFTARAN DI BAWAH SEKSYEN 24 AKTA CUKAI BARANG DAN PERKHIDMATAN : SUKARELA Perkara di atas dirujuk. Dimaklumkan bahawa permohonan tuan telah diluluskan. Maklumat pendaftaran akaun tuan adalah seperti berikut:
Tarikh Permohonan Tarikh Kuatkuasa Pendaftaran Asas Perakaunan Tempoh Bercukai Tempoh Bercukai Pertama Tarikh Akhir Mengemukakan Penyata dan Bayaran Tempoh Bercukai Kedua Tarikh Akhir Mengemukakan Penyata dan Bayaran Tempoh Bercukai Berikutnya Tarikh Akhir Mengemukakan Penyata dan Bayaran Stesen Mengawal & Alamat
: Stesen
: 19-01-2017 : 01-03-2017 : Asas Akruan : Tiga Bulan : 01-03-2017 hingga 31-03-2017 : 02-05-2017 : 01-04-2017 hingga 30-06-2017 : 31-07-2017 : Setiap Tiga Bulan : Hari terakhir bulan berikutnya setelah tamat tempoh bercukai
Kuala Lumpur Pengarah Kastam Negeri WPKL Kompleks Kastam WPKL 22, Jalan SS 6/3 Kelana Jaya 47301 Petaling Jaya
32
KEMENTERIAN KEWANGAN MALAYSIA SIJIL AKUAN PENDAFTARAN SYARIKAT NO SIJIL
: K22174755101738773
NO RUJUKAN PENDAFTARAN
: 357-02267550
TEMPOH SAH LAKU
: 16/03/2017 - 15/03/2020
Bahawa dengan ini diperakui syarikat : RIDZLAN & PARTNERS SDN.BHD. (1198653-P) D-3-23A, PUTRA MAJESTIK, LOT 29, JALAN KASIPILLAY OFF JALAN SULTAN AZLAN SHAH W.P. KUALA LUMPUR 51200 KUALA LUMPUR WILAYAH PERSEKUTUAN (K.L), MALAYSIA
Telah berdaftar dengan Kementerian Kewangan Malaysia dalam bidang bekalan/perkhidmatan di bawah sektor, bidang dan sub-bidang seperti di Lampiran A. Kelulusan ini adalah tertakluk kepada syarat-syarat seperti yang dinyatakan di Lampiran B. Individu yang diberi kuasa oleh syarikat bagi urusan perolehan Kerajaan adalah seperti berikut : AHMAD RIDZUAN BIN ABDUL RAHMAN
840129145705
PENGARAH URUSAN
t.t
DATO' OTHMAN BIN SEMAIL Bahagian Perolehan Kerajaan b.p Ketua Setiausaha Perbendaharaan Kementerian Kewangan Malaysia Tarikh Berdaftar Dengan Kementerian Kewangan Malaysia : 16/03/2017
(Sijil ini adalah cetakan komputer dan tidak memerlukan tandatangan)
33
KEMENTERIAN KEWANGAN MALAYSIA SIJIL AKUAN PENDAFTARAN SYARIKAT BUMIPUTERA NO SIJIL
: BP22114020431608629
NO RUJUKAN PENDAFTARAN
: 357-02197603
TEMPOH SAH LAKU
: 05/05/2016 - 04/05/2019
Bahawa dengan ini diperakui syarikat : EVE LOVE SDN. BHD. (1016909-W) NO. 10, JALAN SAUJANA INDAH 2, TAMAN INDUSTRI SAUJANA INDAH, SEKSYEN U2, BATU 3, UNDEFINED 40150 SHAH ALAM SELANGOR, MALAYSIA
Telah diiktiraf sebagai Syarikat Bumiputera oleh Kementerian Kewangan Malaysia. Taraf Bumiputera bukannya hak dan boleh ditarik balik sekiranya syarikat gagal mematuhi syarat/kriteria yang ditetapkan. Kelulusan ini adalah tertakluk kepada syarat-syarat seperti yang dinyatakan di Sijil Akuan Pendaftaran Syarikat Bumiputera (Lampiran C).
t.t
DATO' OTHMAN BIN SEMAIL Bahagian Perolehan Kerajaan b.p Ketua Setiausaha Perbendaharaan Kementerian Kewangan Malaysia Tarikh Berdaftar Dengan Kementerian Kewangan Malaysia : 05/05/2016
(Sijil ini adalah cetakan komputer dan tidak memerlukan tandatangan)
