Professional Engagement
Customer engagement follows defined operating protocols and applicable client requirements. Communications are structured to support clarity, professionalism and accountability.
FINDER & PARTNERS — ABOUT US
Professional recovery.Human accountability.Governed engagement.
A Malaysian debt recovery agency built on professional engagement, human oversight, and a commitment to treating every individual with respect.
Registered Corporate Entity
Finder & Partners Sdn Bhd
Digital Operating Identity
UnitKredit
01 — WHAT WE DO
Professional recovery conducted within defined client mandates.
Finder & Partners Sdn Bhd is a professional debt recovery agency appointed by corporate clients and panel organisations to manage outstanding account portfolios on their behalf.
We engage account holders through structured, authorised communication to help them understand and resolve outstanding obligations within the scope of the appointing client's mandate.
Material customer-impacting actions remain subject to authorised human oversight and the applicable client mandate.
TRUST
DISCIPLINE
BETTER
OUTCOMES
01
NO PAYMENT HANDLING
Finder & Partners does not receive, collect, hold or process customer payments.
02
NO INDEPENDENT LEGAL ACTION
Finder & Partners does not independently initiate legal proceedings outside the authority and instructions of its appointing client.
03
PROFESSIONAL GOVERNED ENGAGEMENT
Engagement is expected to remain professional, respectful and within defined operational controls.
PEOPLE / PROCESS / A STRONGER TOMORROW
UNITKREDIT
02 — WHO APPOINTS US
Mandate Flow Architecture
Our mandate flows from authorised corporate clients, through a defined appointment, to structured governance and engagement with Finder & Partners.
LEVEL 01
Corporate Client
Our mandate comes from authorised corporate clients (such as CelcomDigi).
LEVEL 02
Defined Appointment
We are formally appointed under a clear scope of work and agreed terms.
LEVEL 03
Account Portfolio
Specific accounts are allocated to us for recovery activities.
LEVEL 04
Finder & Partners
We execute the engagement through our people, processes and systems.
LEVEL 05
Governed Engagement
Our work is governed by compliance, client requirements and ethical practices.
LEVEL 011 of 5
Corporate Client
Our mandate comes from authorised corporate clients (such as CelcomDigi).
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If you received a UnitKredit communication and want help understanding the notice or verifying the nature of the enquiry, ask Naya.
03 — HOW WE OPERATE
Governed Operational Manifesto
PEOPLEPROCESSTECHNOLOGY
A MORE ACCOUNTABLE FINANCIAL TOMORROW
How We Operate
Professional Engagement
Customer engagement follows defined operating protocols and applicable client requirements. Communications are structured to support clarity, professionalism and accountability.
Human Accountability
Internal tools support information organisation, workflow coordination and decision support. Material customer-impacting decisions remain subject to authorised human oversight and the applicable client mandate. Technology supports our personnel; it does not replace accountable human judgement.
Governed Operations
Operational activity is structured to support accuracy, accountability, traceability and authorised oversight. Records are maintained to support appropriate review and reporting within applicable operational and client requirements.
DISCIPLINE TODAY. A STRONGER TOMORROW.
UNITKREDIT
Finder & Partners
Registered Corporate Entity
UnitKredit
Digital Operating Identity
04 — UnitKredit & Finder & Partners
Clear Corporate Hierarchy
UnitKredit is the digital operating identity of Finder & Partners Sdn Bhd.
If you received a UnitKredit communication, you are interacting with a digital channel operated by Finder & Partners Sdn Bhd.
We operate as a legally registered Malaysian debt recovery agency. UnitKredit represents our secure digital gateway, streamlining outreach, notification routing, and client reporting under one unified management system.
05 — ASK NAYA
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