BIBO at a glance

Founded in year 2000, BIBO focuses on accounts receivable management for banks, financial Institutions and service providers across many industries. In strict compliance with all laws and relevant codes of conduct and ethics, it actively upkeeps the highest standards of quality and transparency. With its sound services, compliance, infrastructures, sophisticated systems and loyal staffs, it has gained high trust of relationships with its clients.

As a member of the following professional associations, BIBO operates under their stringent Codes of Ethics:

  • The Hong Kong Credit & Collection Management Association (since 2000)
  • ACA International (since 2000), an international association of receivables management professionals,
  • Credit Services Association (since 2019), the only National Trade Association in the UK for companies active in the receivables management industry
  • Institute of Financial Technologists of Asia (Founder member since 2019)

Our principal-agent relationship with clients restricts our activities to be bound by their code of practice. We strive on trusting relationships with clients. We expect and welcome their stringent monitoring.

Codes of Conduct

In strict compliance with all laws, codes of conduct and ethics:

Code of conduct listed in Recovery of Loans and Advances of the Code of Banking Practice
Quarterly circulars about Debt Collection Agents Employed by Authorized Institutions

Code of Practice on Consumer Credit Data and other guidelines on  personal data

Debt Collection Guidelines for Licensed Corporations

Code of practice issued in Circular “Using Debt-Collection Companies”

Member Since 2000

Guidance Note on Outsourcing Debt Collection

Member Since 2010

Accredited in 2010

Member Since 2019

Internal Auditor since 2010

Professional Team

Our team consists of ex-bankers, professional consultants, specialized advisers, data analysts and experienced mediators. Some of our mediation officers are university graduates, which is rare in this industry.

We have well-trained staffs with detailed processes and policies in place to protect the interests of our clients and their customers. Under all circumstances, we forbid all unethical or intimidating tactics of our staffs.

We conduct background checks via various channels to all staffs upon new hiring and refresh the checks every year to ensure all our staffs are proper to work with us.

Transparent Client Engagement

There is high trust of relationships between us and our clients. Our clients are always encouraged to station their staffs at BIBO’s office. We welcome for clients’ unannounced compliance audits. We maintain impressive performance in both service standards and client’s compliance audits.

All the contents and scripts of communication with clients’ customers are approved by clients’ in prior to launching. The progress of actions will be reported regularly.

Customer Satisfaction is always the utmost core value in our Company. We have adopted a system of Quality Management in Customer Satisfaction which was certified to ISO 10002, accredited in 2010. 


We devote resources and effort constantly to research and development, and the Implement of scientific management increases the operational efficiency and effectiveness.

In order to provide the best account receivables management using the latest technology, we keep on investing heavily in hardware and in-house software development. Our work is fully computerized and digitalized.

We are equipped with:

  • In-house Developed Enterprise Resource Planning System (ERP)
  • Business Intelligences integrated in ERP
  • Digital Phone System
  • Digital Voice Recorders
  • Document Management System (DMS)
  • Network Security System
  • Secured Email System
  • Secured Data Backup System
  • Predictive Dialing System
  • Web Portal
  • Big Data Analysis System
  • Android-based Fieldwork Mobile System

Technology Partners

Collection Score, Action Plan Optimization


Contact Centre Solution

Big Data Analysis


We have a sharp focus on data security and protection. We have adopted a system of Information Security which was certified to ISO 27001, accredited in 2010. 


Corporate Social Responsibility (CSR)

BIBO Limited has demonstrated great passion in serving the community and promoting family-friendly measures since 2005; at which gains the appreciation and various awards from multiple organizations.

We dedicate our efforts and responsibility to caring our employees, society as well as the environment. We hire people with disabilities and foster the Integration of Physically Handicapped and Able-Bodied. Moreover, we support our employees to get involved in charitable services and form a volunteer team, for contributing to society.

We believe that CSR is a vital mission for any sizeable corporates. Every corporates shall shoulder the responsibilities for all clients, employees, investors, environmental protection and community connection, so as to attain sustainability and mutually beneficial situation.

Hong Kong Council of Social Service awarded
10 Years+ Caring Company 2008-2020

Labour and Welfare Bureau awarded
18 Districts Caring Employers Award for 10 consecutive years 2008-2017

Family Council awarded
Family-Friendly Employers Award 2013-2018

Business Environment Council Limited and
The Hongkong and Shanghai Banking Corporation Limited jointly awarded
HSBC Living Business Award 2010, 2012-2016, 2018-2019

The Mirror awarded
Corporate Social Responsibility Award 2014-2019

Promoting Happiness Index Foundation and Hong Kong Productivity Council jointly awarded
Happiness at Work Promotional sheme – Happy Organsation 2016-2019

Labour and Welfare Bureau awarded
Talent-Wise Employment Charter and Inclusive Organisations Recognition Scheme
Partnering Inclusive Organisation 2013-2019

Hong Kong Council on Smoking and Health awarded
Hong Kong Smoke-free Leading Company Awards 2011, 2013, 2016, 2019

The Lok Sin Tong Benevolent Society Kowloon awarded
Hong Kong Corporate Smoke-Free Logo 2013-2016

Navigator Lift Planning and Development Company Limited awarded
2018-19 躍動領航計劃支持及嘉許

Employee Benefits and Family-Friendly Policies

BIBO Limited has continually improved our employees’ well-being and implemented several family-friendly policies in the past years. We aim at providing comprehensive benefits and ideal working condition for our employees. We also encourage a family-motivated culture and working environment, to enhance work-life balance among employees.

We believe that these measures and practices can raise a sense of belonging and morale, in order to achieve a win-win situation for the company and employees.

Employee Benefits


  • Annual Leave (beyond statutory requirements)
  • Birthday Leave
  • Family Care Leave
  • Marriage Leave
  • Paternity Leave (beyond statutory requirements)
  • Examination Leave
  • Funeral Leave
  • Volunteer Leave
  • Jury Leave
  • Festival Leave
  • Overtime Compensation Leave

Bonus and Allowances:

  • Monthly Performance Bonus
  • Year-end Bonus
  • New Staff Referral Bonus
  • Employee Medical Insurance
  • Family Medical Allowance
  • Training Education Allowance
  • Children Education Allowance

Employee Relation Activities:

  • Open Day
  • Annual Dinner
  • Birthday Party
  • Festival Celebration Dinner/ Party
  • Talks and Seminars (eg: Health, Financial Management etc.)
  • Charitable / Volunteer Activities
  • Employee Gathering Activities (eg: Barbecue, Holiday Camp Activities etc.)

Family-Friendly Policies (some duplicated with Employee Benefits)

  • 5 Days work per week
  • Flexible Working Hours
  • Flexi-rostering
  • Job sharing
  • No Maximum Retirement Age
  • MPF Voluntary Contributions
  • Breastfeeding-friendly Policy
  • Family Medical Allowance
  • Children Education Allowance
  • Family Recreational Activities
  • Family Care Leave
  • Marriage Leave
  • Paternity Leave (beyond statutory requirements)
  • Funeral Leave


  • Festival/ Special Day Gifts
  • Setting of Automated External Defibrillator (AED)