Introduction
Adira Finance is seeking a proactive and detail‑oriented Officer Remedial Pendidikan for its Solok office. This role is pivotal in ensuring that the company’s accounts receivable (A/R) overdue portfolio is managed efficiently and recovered within established timelines. The ideal candidate will blend strong analytical abilities with excellent interpersonal skills, contributing to the overall financial health of the organization while supporting its mission of providing accessible financing solutions across Indonesia.
Responsibilities
- Monitor the A/R overdue portfolio daily, identify delinquent accounts, and prioritize collection actions based on risk and exposure.
- Execute timely collection calls, emails, and field visits to borrowers, employing persuasive negotiation techniques while maintaining professionalism.
- Coordinate with the Credit and Risk Management teams to verify borrower information, assess repayment capacity, and recommend appropriate remediation strategies.
- Prepare and submit accurate collection reports, highlighting key performance indicators such as recovery rate, days past due, and trend analysis.
- Maintain comprehensive documentation of all collection activities in the company’s CRM system, ensuring data integrity and audit readiness.
- Collaborate with legal counsel when escalation to formal recovery procedures or litigation is required.
- Support the development of improved collection policies, standard operating procedures, and training materials for junior staff.
- Participate in weekly cross‑functional meetings to align collection targets with broader business objectives and share insights on borrower behavior.
- Adhere to all regulatory requirements and internal compliance standards related to debt collection and data privacy.
- Contribute to a positive work environment by sharing best practices, mentoring new hires, and demonstrating integrity in all interactions.
Requirements
- Minimum education: D3/D4 (associate degree) or S1 (bachelor’s degree) in any discipline; fresh graduates are welcome.
- Gender: Male.
- Maximum age: 30 years.
- At least 1 year of experience in collections, credit monitoring, or related financial services; experience in a multifinance environment is a strong advantage.
- Strong understanding of multifinance business processes and a results‑oriented mindset.
- Excellent interpersonal and communication skills, with proven negotiation abilities.
- High level of integrity, perseverance, attention to detail, and honesty.
- Proficiency in credit monitoring, debt collection processes, and using CRM or loan management systems.
- Ability to work Monday‑Saturday, 08:00‑16:00, at the Adira Finance Solok office.
- Willingness to travel within the Solok region for on‑site collection visits when necessary.
Benefits
- Competitive base salary with performance‑based bonuses tied to collection targets.
- Comprehensive health insurance covering medical, dental, and vision expenses.
- Retirement savings plan (DPK) with company matching contributions.
- Paid annual leave, sick leave, and official holidays in accordance with Indonesian labor law.
- Professional development opportunities, including training in credit analysis, negotiation tactics, and regulatory compliance.
- Transportation allowance or company‑provided vehicle for field collection activities.
- Employee assistance program and regular wellness initiatives.
- Dynamic work environment that encourages teamwork, continuous learning, and career progression.
About Company
Adira Finance is a leading non‑bank financial institution in Indonesia, specializing in consumer financing, vehicle loans, and micro‑enterprise credit. With a robust network spanning over 500 branches nationwide, the company is committed to delivering innovative financing solutions that empower individuals and small businesses. Adira Finance values integrity, customer focus, and a culture of continuous improvement. By joining the Solok team, you will become part of an organization that not only drives financial inclusion but also invests heavily in the growth and well‑being of its employees.
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