Introduction
We are seeking a dedicated Account Officer – Penanganan Masalah to join our finance team in Lamongan, Jawa Timur. This role focuses on managing overdue accounts receivable (A/R) within the 61‑120 day window, ensuring timely collection while maintaining strong relationships with clients. The ideal candidate is a proactive problem‑solver with a solid understanding of multifinance business processes, excellent interpersonal skills, and a commitment to integrity and accuracy.
Responsibilities
- Monitor and manage the collection of overdue accounts (A/R Overdue 61‑120 days), ensuring compliance with internal timelines and policies.
- Conduct regular follow‑up calls and visits to borrowers, negotiating repayment plans and resolving disputes.
- Prepare and submit detailed collection reports, highlighting risk exposures and recovery progress to senior management.
- Collaborate with credit underwriting, legal, and operations teams to streamline the credit recovery process.
- Analyze customer payment behavior and recommend preventive measures to reduce future delinquencies.
- Maintain accurate records of all collection activities in the company’s CRM system.
- Participate in weekly and monthly performance meetings, providing insights and actionable recommendations.
- Uphold company policies on confidentiality, data protection, and ethical conduct throughout all collection efforts.
Requirements
- Minimum education: D3/D4 (Associate) or S1 (Bachelor) in any discipline; fresh graduates are welcome.
- Male candidates, maximum age of 30 years.
- At least 1 year of experience in credit monitoring, debt collection, or a related finance role (experience is a strong plus).
- 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 Microsoft Office (Excel, Word) and familiarity with CRM or ERP systems.
- Flexibility to work in the designated location based on domicile, Monday‑Saturday schedule, 08:00‑16:00.
Benefits
- Competitive base salary with performance‑based incentives.
- Comprehensive health insurance covering medical, dental, and vision.
- Paid annual leave, sick leave, and public holidays.
- Professional development programs, including training in credit risk management and negotiation skills.
- Opportunity for career progression within a rapidly growing multifinance organization.
- Employee assistance program and wellness initiatives.
- Transportation allowance or company‑provided vehicle for field visits.
About Company
Our company is a leading multifinance provider in Indonesia, offering a broad portfolio of loan products to individuals and small‑medium enterprises across the archipelago. With a strong emphasis on responsible lending and customer service, we have built a reputation for financial reliability and community impact. Our culture fosters continuous learning, collaboration, and ethical conduct, empowering employees to deliver excellence while advancing their careers. Join us and become part of a dynamic team that drives financial inclusion and growth in the region.
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