Introduction
We are seeking a dynamic and detail‑oriented Officer Remedial (Collection) to join our team at Adira Finance. In this pivotal role, you will be responsible for managing overdue accounts receivable (A/R) and ensuring timely collection of payments in a fast‑moving multifinance environment. The ideal candidate is a proactive problem‑solver with strong interpersonal skills, a solid understanding of credit processes, and a commitment to upholding the highest standards of integrity.
Responsibilities
- Monitor and track overdue loan accounts, ensuring accurate and up‑to‑date records in the credit management system.
- Initiate collection activities such as phone calls, email reminders, and formal notices in accordance with company policies and regulatory requirements.
- Negotiate repayment plans with borrowers, balancing customer goodwill with the organization’s risk tolerance and revenue targets.
- Collaborate closely with the Credit Approval, Legal, and Customer Service departments to resolve disputes and address complex delinquency cases.
- Prepare daily, weekly, and monthly reports on collection performance, aging analysis, and recovery rates for senior management review.
- Identify patterns of default and recommend preventive measures, including adjustments to credit scoring models or borrower education programs.
- Maintain strict confidentiality of customer data and adhere to all internal compliance and data‑privacy guidelines.
- Participate in regular training sessions to stay current with industry best practices, regulatory changes, and new collection technologies.
Requirements
- Minimum education: D3/D4 (Associate) or S1 (Bachelor) in any discipline; graduates from reputable institutions are encouraged to apply.
- Male candidates, age 29 years or younger, with a maximum age limit of 30 years at the time of hiring.
- At least 1 year of experience in credit monitoring, debt collection, or related financial services (experience is a strong advantage but fresh graduates with relevant internships are welcome).
- Strong understanding of multifinance business processes, including loan origination, credit assessment, and collection workflow.
- Excellent interpersonal and communication skills, with the ability to negotiate effectively and build rapport with borrowers.
- Demonstrated integrity, perseverance, meticulous attention to detail, and honesty in handling sensitive financial information.
- Proficiency in using credit management software and Microsoft Office (Excel, Word, Outlook).
- Willingness to work at the designated Adira branch office in accordance with the candidate’s domicile.
- Availability to work Monday through Saturday, 08:00 – 16:00.
Benefits
- Competitive base salary with performance‑based incentives tied to collection targets.
- Comprehensive health insurance covering medical, dental, and vision care.
- Paid annual leave, sick leave, and public holidays in accordance with Indonesian labor law.
- Professional development programs, including certifications in credit risk and collections.
- Transportation allowance and meal vouchers to support daily commuting.
- Employee wellness initiatives such as fitness subsidies and mental‑health resources.
About Company
Adira Finance is a leading multifinance institution in Indonesia, providing a broad spectrum of financing solutions to individuals and small‑medium enterprises across the country. With a robust portfolio that includes motor vehicle loans, consumer durable financing, and micro‑enterprise credit, Adira has built a reputation for innovative products, customer‑centric service, and responsible lending practices. Our commitment to digital transformation and data‑driven decision‑making positions us at the forefront of the industry, while our strong corporate culture emphasizes teamwork, ethical conduct, and continuous improvement. Joining Adira means becoming part of a forward‑thinking organization that values each employee’s contribution to our shared success.
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