Introduction
We are seeking a proactive Account Officer (Problem) to join our dynamic team in Tuban, Jawa Timur. This role is pivotal in managing the accounts receivable (A/R) overdue portfolio, ensuring timely collections, and supporting the overall financial health of our multifinance operations. The successful candidate will work closely with internal stakeholders and external clients, applying strong analytical and negotiation skills to achieve collection targets while upholding the highest standards of integrity and customer service.
Responsibilities
- Manage and monitor the A/R overdue segment, specifically handling accounts aged 61‑120 days.
- Execute daily collection activities, ensuring that overdue payments are pursued promptly and accurately.
- Prepare and present regular reports on collection performance, aging analysis, and forecasted cash flow.
- Collaborate with the credit underwriting team to understand the risk profile of each debtor and adjust collection strategies accordingly.
- Conduct telephone and face‑to‑face negotiations with borrowers, resolving disputes and arranging repayment plans that align with company policy.
- Maintain detailed documentation of all collection interactions in the CRM system to ensure compliance with internal audit standards.
- Identify patterns of delinquency and propose process improvements to reduce future overdue incidences.
- Provide feedback to the product development and risk management teams about common borrower challenges.
- Support cross‑functional initiatives, such as training new staff on collection best practices and participating in quarterly performance reviews.
Requirements
- Minimum education: D3/D4 (associate) or S1 (bachelor) in any discipline; fresh graduates are welcome to apply.
- Male candidates only; maximum age of 30 years.
- At least 1 year of experience in credit monitoring, debt collection, or a related financial services role (experience in multifinance is a strong advantage).
- Strong understanding of multifinance business processes and a results‑oriented mindset.
- Excellent interpersonal and communication abilities, with proven negotiation skills.
- High level of integrity, diligence, honesty, and resilience under pressure.
- Proficiency in Microsoft Office and familiarity with CRM or loan management software.
- Willingness to be placed in a location that matches the candidate’s domicile.
- Availability to work Monday through Saturday, 08:00‑16:00.
Benefits
- Competitive salary package with performance‑based incentives.
- Comprehensive health and dental insurance for the employee and eligible dependents.
- Annual professional development allowance for training, certifications, or conferences.
- Paid annual leave, public holidays, and additional leave for personal emergencies.
- Transportation allowance or company‑provided vehicle for field visits.
- Opportunity for career progression within a fast‑growing multifinance organization.
- Friendly and collaborative work environment that values teamwork and continuous improvement.
About Company
Our client is a leading multifinance institution in Indonesia, dedicated to providing flexible financing solutions to individuals and small‑medium enterprises across the archipelago. With a strong focus on responsible lending, innovative digital platforms, and customer‑centric services, the company has built a reputation for reliability and growth. Joining the team offers exposure to a robust financial ecosystem, access to industry‑leading tools, and the chance to contribute to the economic development of regions like Tuban, Jawa Timur.
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