About Superior Assets

Superior Assets Limited is a leading purchaser and manager of debts since year 2009.  We buy customer accounts from a range of finance businesses and credit providers, including retail banks, credit card companies, insurance companies and other commercial enterprises.

As a member of Credit Services Association (CSA), the only National Trade Association in the UK for companies active in the receivables management industry, we operate under their stringent Codes of Ethics.

We are honoured to be one of the corporate members of the Institute of Financial Technologists of Asia (IFTA). The key mission of the institute is to uphold the standards of FinTech in finance industry. It acts as an industry advisor for governments and corporates, to share opinions and concerns on FinTech developments and opportunities. It also enhances the network and communication between professionals, corporates and governments. Moreover, it assists parties to access FinTech professionals and local requirements.

How we work?

We have rigorous policies and procedures to ensure we treat our acquired customers fairly.  We work closely with them and strive to deliver good customer service.  Customers only pay what they can afford under their personal and financial circumstances and we assist them to establish their personal repayment plans.  We have worked with thousands of individuals to assist them with their financial affairs.

Mission and Vision

Helping creditors to turn receivables into immediate cash and helping people to get debt free and improve credit ratings.

Heard from our Customers

“SAL was completely professional in handling my situation. My case officer was very polite and caring in our discussions.”

“It was embarrassing to have financial problems. The lady appreciated that problem and helped me understand it was not unusual.”

“I wanted to repay but had difficulties. We worked together on a plan that helped me budget my expenses and pay over time.”

“There were no bad pressures working with SAL. They understood I would pay what and when I could and they helped me do that.”

“I had a lot of questions about my options. The lady explained the pros and cons of the various alternatives in Hong Kong and helped me with my decisions.”

Management Team

Our management team consists of ex-bankers, professional consultants, specialized advisers, lawyers, data analysts and experienced mediators.

Milestone & Achievements

2018:  Automation and digitization successfully launched

2014:  Obtained TransUnion membership from credit reference agency TransUnion

      Obtained Money Lender Licence under Money Lenders Ordinance

2009:  Started buying non-performing loans

Employee Benefits and Family-Friendly Policies

Superior Assets 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
  • Empolyee 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)