Our History

Company Origins

United Credit Services (UCS) was founded in 1991 by Mr. James Brown during a time when Taiwan’s credit card market was experiencing rapid growth. At that moment, there was a clear gap in the market — no professional third-party collection agencies existed. Recognizing the banks’ need for outsourced collection, Mr. Brown introduced international best practices to Taiwan. His first contract with American Express marked a significant milestone, opening a new chapter in the industry in Taiwan.
Local Strategy Global Vision

Our Vision

As Taiwan’s credit card market expanded, UCS saw a substantial increase in business volume. By joining international organizations, Mr. Brown developed a network of global collection experts, allowing him to compare diverse strategies and create tailored approaches for the local market. His vision was to build a company capable of sustainable growth—not only to lead the industry but also to contribute significantly to Taiwan’s economic stability.
UCS aims to redefine the collection industry by fostering transparency, trust, and professionalism. Our commitment to ethical practices and continuous improvement ensures that we remain a vital partner in Taiwan's financial ecosystem.

People Stability Corporate Core

Our Commitment to Excellence: UCS’s Business Philosophy"

At UCS, we are built on strong core values and a family-oriented culture that fosters long-term career development. We prioritize comprehensive training, a supportive working environment, and competitive employee benefits. This commitment has resulted in the lowest turnover rate in the industry, with an average employee tenure of 15 years—an exceptional achievement in the high-turnover debt collection sector.

Today, the UCS family boasts over 220 well-trained employees, making us one of the largest outsourced collection agencies for the financial industry in Taiwan. For more than thirty years, we have proudly served Taiwan’s banking sector with outstanding performance, rigorous management, and a steadfast commitment to efficiency and innovation. Our reputation for excellence and trust consistently sets us apart from competitors and secures our position as an industry leader.

Global Expansion Strategic Growth

Our Future

After establishing a solid foundation in Taiwan, we are committed to expanding into global markets.

In 2024, we launched new companies in Singapore and Malaysia. Building on this foundation, we plan to further expand into additional Southeast Asian countries in 2025, closely aligning with our clients and fostering growth in the region. Our focus is on strengthening our proprietary debt positions while expanding and stabilizing our business operations.

In 2025, we will also enter the U.S. debt buying sector, representing a significant milestone in our globalization efforts and enhancing our international presence.

Our objective is to collaborate closely with our clients for mutual growth, solidifying our position and achieving greater success in the global marketplace.

Our Vision and Core Values

誠信，速度，創新，專業，毅力

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Company Origins

United Credit Services (UCS) was founded in 1991 by Mr. James Brown during a time when Taiwan’s credit card market was experiencing rapid growth. At that moment, there was a clear gap in the market—no professional third-party collection agencies existed. Recognizing the banks’ need for outsourced collection, Mr. Brown introduced international best practices to Taiwan. His first contract with American Express marked a significant milestone, opening a new chapter in the industry in Taiwan.

Our Vision

As Taiwan’s credit card market expanded, UCS saw a substantial increase in business volume. By joining international organizations, Mr. Brown developed a network of global collection experts, allowing him to compare diverse strategies and create tailored approaches for the local market. His vision was to build a company capable of sustainable growth—not only to lead the industry but also to contribute significantly to Taiwan’s economic stability.

UCS aims to redefine the collection industry by fostering transparency, trust, and professionalism. Our commitment to ethical practices and continuous improvement ensures that we remain a vital partner in Taiwan’s financial ecosystem.

Our Team

The management team at UCS, led by Chairman James Brown, focuses on providing professional collection services and the buying and selling of non-performing loans (NPLs). At UCS, we emphasize talent development and are committed to enhancing our employees’ professional skills while promoting a balance between work and life. We firmly believe that employee growth is the cornerstone of the company’s success, which is why we offer a variety of training programs and support measures to inspire each employee’s potential.

Legal Team

We have a legal professional team of 70 people dedicated to providing related legal services, ensuring the timeliness of debt claims. Committed to professionalism and integrity, our team navigates complex legal landscapes with skill, ensuring compliance and protecting our clients' interests. By combining legal knowledge with a compassionate approach, we strive to achieve optimal recovery outcomes while maintaining the dignity of all parties involved.

Collection Team

Our Phone and Field Collection Team consists of over 120 certified professional managers with extensive practical experience, always patiently listening to consumer needs, serving with enthusiasm, and upholding principles of empathy. To date, we have successfully negotiated over 560,000 cases, becoming an industry benchmark, showcasing our professionalism and strength in the debt collection service field.

IT Team

Our Information Security Team focuses on complying with regulatory authorities and customer information security policy requirements, working to establish a comprehensive and effective information security framework to support robust business development. We understand the importance of information security in business operations, continuously optimizing our security measures to ensure the safety and privacy of customer data.

Data Intelligence department

The Data Intelligence team focuses on optimizing the collection process, enhancing the value of data applications. Balancing efficiency and effectiveness, we use data analysis techniques to improve overall business performance, creating greater value for the company.

Our Story

  • 1991

    Signed the first collection agency contract with American Express for credit card debt.

  • 1994

    Purchased USA software packages and modified for the Taiwan market.

  • 1995

    Joined the American Collectors Association (ACA).

  • 1997

    • Expanded office space to 661 square meters.
    • Established a training department.
    • Introduced a New Hire Orientation and On-the-Job Training (OJT) syst.

  • 1998

    • Started handling telecommunications business.
    • Annual recovery exceeded USD335,000.

  • 1999

    Developed in-house collection system.

  • 2000

    • Annual total recovery amount first exceeded USD.
    • Provided collection education and training to banks.
    • Offered collection-related support services to banks.
    • UCS collection system adopted by several leading Taiwan banks.

  • 2001

    • Company's total headcount reached 300.
    • Annual recovery amount exceeded USD500,000.
    • Purchased non-performing loans (NPL) in the financial industry.
    • Company expandion to office of 3,306sqm.

  • 2002

    • Integrated high volume auto dialling system.
    • Expanded servicess to corporate and personal credit loans.
    • Founding member of the Taiwan Financial Institutions Debt Collection Association.

  • 2003

    Provided collection and appraisal services for AMC.

  • 2004

    ISO 9001:2008 certtified.

  • 2006

    Expanded the Legal Enforcement Department to 40 staff members and introduced a computerized system to manage the progress of various enforcement tasks, thereby increasing operational efficiency.

  • 2016

    ISO 27001:2013 cerrtified.

  • 2019

    • Accumulated over 10 million entrusted cases.
    • Total recovered amount exceeds USD620 Million.

  • 2020

    • Provided statute of limitations interruption and document management services.
    • Implemented OKR (Objectives and Key Results) program.

  • 2021

    • Implement the TTQS Talent Development Quality Management System project.
    • Established an OCR (Optical Character Recognition) system to accelerate document processing workflows.

  • 2022

    Provided an outsourced field collections network.

  • 2024

    Expanded operations to Singapore, Malaysia, and the USA.

  • 2025

    Expanded operations to Thailand.