Introduction
We are seeking a motivated Collector – Penagihan to join our dynamic team in Tomohon. This role is a core component of our Accounts Receivable (A/R) function, responsible for ensuring overdue payments are recovered promptly and professionally. The successful candidate will work closely with branch offices, customers, and internal stakeholders to meet collection targets while upholding the highest standards of integrity and customer service.
Our organization operates in the multifinance sector, providing a range of credit and financing solutions to individuals and small‑medium enterprises across Indonesia. As part of our commitment to financial inclusion, we need collectors who understand the nuances of credit risk, possess strong negotiation skills, and can maintain positive relationships with borrowers.
Responsibilities
- Manage and oversee the full cycle of A/R overdue collection activities, ensuring that all payments are pursued and secured within established timelines.
- Conduct field visits to customers in the Tomohon area for in‑person debt recovery, payment negotiations, and relationship building.
- Collaborate with branch managers and credit officers to identify high‑risk accounts and develop tailored remediation plans.
- Assist the branch in handling problematic partners, including developing escalation strategies and coordinating with legal counsel when necessary.
- Achieve monthly and quarterly collection targets set by senior management, reporting progress and obstacles on a regular basis.
- Maintain accurate records of collection activities, payment agreements, and customer communications in the company’s CRM system.
- Provide feedback to the credit underwriting team on emerging risk trends and borrower behavior patterns.
- Participate in regular training sessions on credit processes, negotiation techniques, and regulatory compliance.
Requirements
- Minimum education: D3/D4 (Associate or Bachelor’s degree) in any discipline; fresh graduates are welcome.
- At least 1 year of experience in collections, credit monitoring, or a related financial services role.
- Maximum age of 29 years, though the emphasis is on capability and attitude.
- Strong understanding of multifinance business processes and a results‑oriented mindset.
- Excellent interpersonal and communication skills, with proven negotiation ability.
- High degree of integrity, perseverance, attention to detail, and honesty.
- Ability to work independently while coordinating effectively with branch teams.
- Male candidates only, as per the current hiring policy.
- Willingness to be placed in the candidate’s domicile area; travel within the Tomohon region is required.
- Proficient in credit monitoring, debt collection procedures, and interpersonal communication.
Benefits
- Competitive base salary with performance‑based incentives tied to collection targets.
- Health and dental insurance coverage for employees and eligible dependents.
- Annual professional development allowance for training, certifications, or relevant courses.
- Transport allowance and fuel reimbursement for field visits.
- Paid leave: 12 days annual leave, plus national holidays and sick leave.
- Opportunities for career progression within a fast‑growing multifinance organization.
- Employee recognition programs and quarterly awards for top performers.
- Supportive work environment with a focus on teamwork, ethical conduct, and continuous improvement.
About Company
Our company is a leading multifinance institution in Indonesia, dedicated to providing accessible credit solutions to underserved markets. With a strong network of branches nationwide, we specialize in personal loans, vehicle financing, and micro‑enterprise credit. Our mission is to empower individuals and small businesses to achieve financial stability and growth.
We pride ourselves on a culture of transparency, customer‑centricity, and innovation. By leveraging advanced data analytics and a robust risk management framework, we continuously enhance our product offerings while maintaining prudent lending practices. Joining our team means becoming part of a forward‑thinking organization that values professional growth, ethical standards, and community impact.
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