Introduction
We are seeking a proactive and detail‑oriented Account Officer (Collection) to join our growing team in Tegal, Jawa Tengah. This role is essential to maintaining the financial health of our multifinance operations by ensuring timely collection of overdue receivables (A/R Overdue 61‑120 days). The successful candidate will work closely with sales, finance, and customer service teams, applying strong negotiation and communication skills to achieve collection targets while preserving positive customer relationships.
Responsibilities
- Manage the full lifecycle of overdue account collections, focusing on accounts aged 61‑120 days.
- Prepare and execute daily, weekly, and monthly collection plans to meet established targets.
- Contact delinquent borrowers via phone, email, and in‑person visits to negotiate repayment schedules.
- Analyze customer payment histories and credit profiles to determine appropriate collection strategies.
- Document all collection activities accurately in the company’s CRM and accounting systems.
- Collaborate with the credit underwriting team to flag high‑risk accounts and suggest preventive actions.
- Prepare regular reports on collection performance, aging analysis, and recovery rates for senior management.
- Ensure compliance with internal policies, regulatory guidelines, and ethical standards throughout the collection process.
- Provide feedback to product and sales teams on recurring collection issues to help refine loan terms and risk assessment.
- Participate in periodic training sessions to stay updated on best practices in debt recovery and customer handling.
Requirements
- Minimum education: D3/S1 in any discipline; candidates with a high school (SMA/SMK) background are also considered.
- Age: 30 years or younger.
- Gender: Open to all genders.
- At least 1 year of experience in collections, credit control, or a related financial role (experience is a strong plus but not mandatory for fresh graduates).
- Solid understanding of multifinance business processes and a results‑driven mindset.
- Excellent interpersonal and communication skills, with proven negotiation abilities.
- High level of integrity, persistence, attention to detail, and honesty.
- Proficiency in using Android devices for mobile communication and basic office software.
- Availability to work Monday through Saturday, 08:00 – 16:00.
Benefits
- Competitive salary with performance‑based incentives tied to collection targets.
- Comprehensive health insurance covering medical, dental, and vision.
- Paid annual leave, sick leave, and public holidays.
- Professional development budget for certifications and training in credit management.
- Opportunities for career progression to senior collection or credit risk analyst roles.
- Company‑provided transportation allowance and meal vouchers.
- Friendly, collaborative work environment with a focus on employee well‑being.
About Company
Our company is a leading multifinance institution in Indonesia, offering a broad portfolio of consumer loans, vehicle financing, and small‑business credit solutions. With a strong commitment to financial inclusion, we empower individuals and SMEs across the archipelago to achieve their aspirations. Our culture emphasizes ethical conduct, customer centricity, and continuous improvement. By joining our team, you will become part of a forward‑thinking organization that values innovation, teamwork, and the professional growth of its employees.
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