Introduction
Home Credit, a leading provider of consumer finance solutions across Southeast Asia, is expanding its field operations in the Dumai region. We are seeking motivated and reliable individuals to join our team as Kolektor Lapangan – Penagihan dan Penanganan Piutang. This role is critical to maintaining healthy customer relationships, ensuring timely repayment of credit facilities, and supporting the overall financial health of the organization. As a Field Agent, you will work directly within the community, representing Home Credit’s commitment to professionalism, empathy, and financial inclusion.
Responsibilities
- Conduct scheduled visits to assigned customers in Dumai and surrounding areas, following Home Credit’s Standard Operating Procedures (SOP).
- Communicate clearly and courteously with customers about overdue payments, providing detailed information on outstanding balances and due dates.
- Assist customers in completing payments on-site, guiding them through Home Credit’s payment channels, including cash, mobile banking, and digital wallets.
- Document each interaction in the company’s mobile system, capturing payment confirmations, promises to pay, and any disputes.
- Identify and report patterns of delinquency, offering insights that help the credit risk team refine collection strategies.
- Maintain the condition and safety of the company‑provided motorbike, ensuring it is ready for daily use.
- Provide feedback to the regional office regarding local market conditions, customer sentiment, and potential new business opportunities.
- Uphold Home Credit’s brand image by demonstrating integrity, professionalism, and respect in every customer encounter.
Requirements
- Education: Open to candidates of any educational background; a high school diploma is the minimum.
- Age: No upper age limit; we value experience and dedication over age.
- Gender: All genders are welcome to apply.
- Local Knowledge: Strong familiarity with the Dumai region, its neighborhoods, and key commercial areas.
- Transportation: Own a reliable motorbike and hold a valid, active SIM C driving license.
- Experience (preferred): Prior experience in field collection, debt recovery, or customer service will be considered a strong asset.
- Documentation (if experienced): Provide a work reference letter, a “paklaring” (employment certificate), or any official document that verifies past collection work.
- Soft Skills: Excellent communication, negotiation, and problem‑solving abilities; high emotional intelligence to handle sensitive financial discussions.
- Technical Skills: Basic proficiency with smartphones and mobile applications used for reporting and payment processing.
- Availability: Work schedule is Monday to Saturday, 08:00 – 17:00, with occasional overtime during peak collection periods.
Benefits
- Competitive Compensation: Salary above the regional minimum wage (UMR) plus performance‑based incentives, bonuses, fuel allowance, and phone credit.
- Health Coverage: Private health insurance provided by a reputable insurer.
- Career Development: Clear career progression path from Field Agent to Senior Collector, Team Leader, or Regional Supervisor.
- Flexible Work Location: Ability to work within your domicile, reducing commute time and costs.
- Supportive Tools: Company‑issued smartphone, navigation system, and a well‑maintained motorbike.
- Training Programs: Ongoing training in credit management, negotiation techniques, and customer relationship management.
- Team Environment: Collaborative regional office and regular team‑building activities.
About Company
Home Credit has been a pioneer in the consumer finance industry for over two decades, offering accessible credit solutions to millions of customers across Indonesia, Vietnam, the Philippines, and beyond. Our mission is to empower individuals to achieve their personal and professional goals through responsible lending. By focusing on transparent processes, digital innovation, and community engagement, Home Credit builds trust and delivers value to both customers and shareholders. Joining our team means becoming part of a dynamic organization that values growth, integrity, and the power of financial inclusion.
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