Introduction
We are seeking a proactive and detail‑oriented Account Officer – Penanganan Masalah to join our finance team in Nganjuk, Jawa Timur. This role focuses on the timely collection of overdue accounts receivable (A/R) ranging from 61 to 120 days, ensuring cash flow stability and supporting the overall financial health of the organization. The ideal candidate will thrive in a fast‑paced, target‑driven environment and possess strong interpersonal abilities to negotiate and resolve payment issues.
Responsibilities
- Manage the end‑to‑end collection process for overdue accounts (61‑120 days) and ensure payments are received within the stipulated time frame.
- Conduct daily monitoring of credit portfolios, identifying high‑risk accounts and escalating potential defaults to senior management.
- Prepare and send reminder letters, phone calls, and email communications to delinquent borrowers, maintaining a professional and courteous tone.
- Negotiate repayment plans, settlements, or restructuring options in line with company policies while preserving customer relationships.
- Collaborate with the credit underwriting team to verify the accuracy of borrower information and resolve discrepancies.
- Maintain detailed records of collection activities, payment schedules, and dispute resolutions in the company’s ERP system.
- Produce regular reports on collection performance, aging analysis, and key performance indicators (KPIs) for senior management review.
- Participate in weekly strategy meetings to discuss collection trends, propose process improvements, and align with overall business objectives.
- Provide guidance and mentorship to junior staff members, sharing best practices in debt recovery and customer communication.
- Stay updated on regulatory changes affecting the multifinance industry and ensure compliance with all legal requirements.
Requirements
- Minimum education: D3/S1 in any discipline; high school (SMA/SMK) graduates are also considered.
- At least 1 year of experience in credit monitoring, debt collection, or related financial services (experience is a strong advantage but fresh graduates are welcome).
- Age limit: up to 30 years old.
- 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 ERP or loan management software.
- Male candidates only, as per current hiring policy.
- Willingness to work at a location that matches the candidate’s domicile.
- Work schedule: Monday‑Saturday, 08:00 – 16:00.
Benefits
- Competitive salary with performance‑based bonuses tied to collection targets.
- Health insurance coverage for the employee and immediate family.
- Professional development allowance for training, certifications, and industry conferences.
- Paid annual leave, sick leave, and public holidays in accordance with Indonesian labor law.
- Transportation allowance or company‑provided vehicle for field visits.
- Employee recognition programs and career advancement pathways within the organization.
- Work‑life balance initiatives, including flexible shift options after probation.
About Company
Our company is a leading multifinance institution in Indonesia, offering a broad range of credit products to individuals and small‑medium enterprises across the archipelago. With a strong commitment to financial inclusion, we empower customers to achieve their personal and business goals while maintaining rigorous risk management standards. Our culture emphasizes teamwork, ethical conduct, and continuous improvement, fostering an environment where talent can grow and make a meaningful impact on the community.
Interested in this position?
Take the next step in your career and apply for this role today.
Apply Now