“Together, we strive to build a more credible, efficient, and future-ready credit recovery landscape, one that benefits consumers, & enhances professionalism.“
Association of Malaysia Credit Recovery Agencies
(AMCRA)
The Association of Malaysia Credit Recovery Agencies (AMCRA), officially registered under PPM-005-10-11092025, was formally established on 11 September 2025, marking a significant milestone for Malaysia’s credit recovery and debt collection industry.
AMCRA is a national industry association dedicated to uniting, strengthening, and professionalising the credit recovery and debt collection sector across the country.
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Established by leading agencies and experienced industry practitioners, AMCRA serves as a collective voice for credit recovery service providers, financial institutions, regulatory authorities, and consumers. The association aims to promote ethical practices, enhance industry standards, and support a more transparent and responsible credit recovery ecosystem in Malaysia.
“United in Recovery, Growing Together.”
Advancing Standards and Integrity in Malaysia’s Credit Recovery Industry
Our primary purpose is to elevate the standards, integrity, and transparency of the industry. We work closely with stakeholders including Bank Negara Malaysia, CCOB, banks, financial institutions, credit companies, insurers, telco providers, and other regulatory bodies to ensure that industry practices align with national expectations and responsible collection principles.
Promoting Ethical, Compliant, and Professional Credit Recovery Practices in Malaysia
As an association, AMCRA is committed to promoting ethical conduct, compliance, data security, proper governance, and continuous professional development among all member agencies. Through training, standard-setting, and industry-driven initiatives, we aim to strengthen public trust and support a more robust and sustainable credit recovery ecosystem in Malaysia
Enabling Industry Collaboration and Modernisation in Credit Recovery
AMCRA also provides a structured platform for collaboration, consultation, and representation on issues affecting the industry. We champion fair practices, support regulatory improvements, and create opportunities for agencies to grow, innovate, and adopt modern technologies in credit recovery.
Executive Committee
This Executive Committee leads with vision, accountability, and a dedication to industry excellence. Together, they drive initiatives that support members and elevate Malaysia’s debt-recovery standards.
Mr. Rohan Jayaratnam
PRESIDENT
Dato' Mohd Shahrom Bin Mohd Rafik, DIMP
DEPUTY PRESIDENT
Mr. Suresh Rao Subramaniam A.M.W
SECRETARY
Mr. Mohd Azlan Bin Subahan
TREASURER
Committee Members
The Committee Members provide support, expertise, and oversight to help advance AMCRA’s initiatives and industry standards
- Mr. Suman Raju
- Mr. Shashi Kumar Krishnan
- Mr. Sean Jamie Pakiesamy
- Mr. Surain Rao Jaganathan
- Mr. Tengku Mohd Firdaus Bin Tengku Yahya
- Mr. Sivarajah Thiagarajah
- Ms. Anusiah Devi Gurumoorthy
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