Introduction
Adira Finance, a leading multifinance institution in Indonesia, is seeking a proactive and detail‑oriented Officer Remedial (Penagihan) for its Jember, Jawa Timur branch. This role is pivotal in ensuring the timely collection of overdue receivables (A/R Overdue), safeguarding the company’s cash flow, and maintaining strong relationships with customers. The successful candidate will join a dynamic team, work in a supportive environment, and contribute to the financial health of a company renowned for its innovative credit solutions and customer‑centric approach.
Responsibilities
- Manage the full cycle of overdue receivables, ensuring collection activities are completed within established timelines.
- Conduct daily monitoring of credit accounts, identify delinquent accounts, and prioritize collection actions based on risk assessment.
- Initiate contact with borrowers via phone, email, and face‑to‑face visits to negotiate repayment plans, resolve disputes, and recover outstanding balances.
- Prepare and submit accurate daily, weekly, and monthly reports on collection performance, aging analysis, and recovery rates to senior management.
- Collaborate closely with the credit approval, legal, and customer service teams to align collection strategies with overall business objectives.
- Maintain detailed documentation of all collection activities, agreements, and client communications in the company’s CRM system.
- Identify patterns of recurring payment issues and provide actionable insights to improve credit underwriting and risk mitigation processes.
- Participate in regular training sessions on regulatory compliance, negotiation techniques, and financial products to stay current with industry best practices.
Requirements
- Minimum education: D3/D4 (associate degree) or S1 (bachelor’s degree) in any discipline; graduates from any field are welcome.
- At least 1 year of experience in credit monitoring, debt collection, or a related financial function (experience is a strong advantage but not mandatory for fresh graduates).
- Maximum age: 30 years.
- Male candidates are preferred in accordance with the current posting, though the company remains committed to equal opportunity employment.
- Strong understanding of multifinance business processes and a results‑driven mindset.
- Excellent interpersonal and communication skills, with proven negotiation capabilities.
- High level of integrity, perseverance, attention to detail, and honesty.
- Proficiency in credit monitoring, credit processing, debt collection procedures, and the use of office software (MS Office, CRM tools).
- Ability to work independently as well as collaboratively in a fast‑paced environment.
Benefits
- Competitive salary package with performance‑based incentives.
- Health insurance (BPJS Kesehatan) and life insurance coverage.
- Transportation allowance or company‑provided vehicle for field visits.
- Meal allowance for daily work hours (08:00 – 16:00, Monday‑Saturday).
- Professional development programs, including workshops on negotiation, compliance, and financial analysis.
- Opportunities for career advancement within Adira Finance’s national network.
- Paid annual leave, public holidays, and additional leave for special occasions.
- A supportive work culture that values teamwork, continuous learning, and community involvement.
About Company
Adira Finance is one of Indonesia’s most trusted names in consumer financing, offering a wide range of products such as personal loans, vehicle financing, and small‑business credit. With a presence in over 30 provinces and a commitment to digital transformation, Adira leverages technology to streamline credit approval, disbursement, and collection processes. The company’s core values—integrity, customer focus, innovation, and teamwork—guide every employee in delivering exceptional service while driving sustainable growth. Joining Adira Finance means becoming part of a forward‑looking organization that invests in its people and the communities it serves.
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