Introduction
PT Mega Finance, a leading financial services provider in Indonesia, is expanding its collections team to strengthen cash flow management and improve customer relationships. We are seeking a motivated and results‑driven individual to join us as a Collection Officer. This role is pivotal in ensuring timely repayment of loan installments, protecting the company’s assets, and maintaining a positive brand reputation. The ideal candidate will be proactive, possess strong communication skills, and thrive in a target‑oriented environment.
Responsibilities
- Conduct outbound phone calls to delinquent borrowers, delivering clear and persuasive payment reminders.
- Perform field collection visits within assigned territories, adhering to scheduled routes and safety protocols.
- Negotiate repayment plans, settlements, or restructuring options while preserving the dignity of the customer.
- Document all interactions accurately in the company’s CRM system, ensuring real‑time updates for supervisory review.
- Monitor daily, weekly, and monthly collection targets, reporting progress and any obstacles to the Collection Manager.
- Identify and flag high‑risk accounts for further investigation or legal action.
- Collaborate with the credit underwriting team to provide feedback on borrower behavior trends.
- Maintain a thorough knowledge of applicable regulations, company policies, and ethical collection practices.
- Assist in preparing periodic collection performance reports and suggest process improvements.
- Support team initiatives, such as training new hires and participating in community outreach programs that promote financial literacy.
Requirements
- Minimum education: SMA/SMK or equivalent; D3/S1 preferred.
- Male candidates only, as specified by the current operational policy.
- Zero to several years of experience in collections, debt recovery, or related customer‑service roles (experience is a strong plus).
- Own motor vehicle and a valid SIM C for field assignments.
- Excellent verbal and written communication skills in Bahasa Indonesia; ability to convey information persuasively without escalating conflict.
- Strong negotiation and problem‑solving abilities; capacity to remain calm under pressure and meet strict targets.
- High level of discipline, honesty, and accountability.
- Familiarity with the geographical area of assignment, including local traffic patterns and community dynamics.
- Willingness to work Monday through Saturday, 08:00 – 17:00, including occasional overtime during peak collection periods.
Benefits
- Competitive base salary with performance‑based incentives.
- Transportation allowance or reimbursement for fuel expenses.
- Health insurance coverage for the employee and immediate family.
- Professional development opportunities, including training in negotiation, financial regulations, and leadership.
- Annual leave, sick leave, and public holiday entitlements in accordance with Indonesian labor law.
- Supportive work environment that encourages teamwork, integrity, and continuous improvement.
About Company
PT Mega Finance has been operating for over a decade, offering a broad range of financial products such as personal loans, micro‑finance, and small‑business credit. Our mission is to empower individuals and enterprises with accessible financing solutions while maintaining rigorous risk management standards. With a network of branches across major cities and a strong digital presence, Mega Finance is committed to fostering financial inclusion and driving sustainable economic growth in Indonesia.
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