About Us


Established in 1998, our humble beginnings started with only 4 staff. Having a clear vision of what we wanted to achieve and with a commitment to excellence, we secured our very first portfolio with Standard Chartered Bank, located in Wangsa Maju. From there, we continuously strived to work hard with a growing set of clients and supported them through many credit recovery challenges. Our team is built on a strong reputation of being professional, result-oriented, and an approach towards debtors that is deeply rooted in empathy and understanding.

As our business grew in size over the years, so did our team. In 2013, our numbers grew to 270 staff and in 2018, we grew further to 320. To firmly establish the growth and success of our team, we finally moved into our own building at Wisma P&A located in Brickfields, Kuala Lumpur.

Our dedicated collection professionals are strategically placed in many divisions based on their unique abilities and talents. We’re also backed by a robust HR team with a keen sense for talent who are on a constant lookout for dynamic and motivated individuals who will help us realize the goals of the company and our clients.

P&A Smart Solution is a fully compliant and registered entity with the Ministry of Finance since 2013.


Group structure

Mr. Anba's pic

Anpananthan Karupiah


Mr. Panneer's pic

Paneerselvam Balakrishnan