Introduction
The Mitra Collection Back End (MCBE) position at Subulussalam is a critical role within our multifinance division, focused on ensuring timely recovery of overdue accounts receivable (A/R). This frontline collection specialist will work closely with branch teams, field agents, and customers to secure payments, mitigate credit risk, and support the company’s financial health. Candidates of any educational background are welcome, provided they possess a strong work ethic, excellent communication skills, and a willingness to learn the nuances of credit collection in a fast‑moving environment.
Responsibilities
- Manage and oversee the end‑to‑end process of overdue A/R collection, ensuring all actions are completed within stipulated deadlines.
- Conduct on‑site visits to customers for payment negotiations, employing persuasive yet respectful techniques to recover outstanding balances.
- Collaborate with branch staff to identify and resolve problematic partner accounts, providing timely updates and strategic recommendations.
- Achieve monthly and quarterly collection targets set by senior management, tracking performance against key performance indicators (KPIs).
- Initiate and execute the retrieval of assets from high‑risk borrowers, coordinating with legal and operational teams as needed.
- Maintain accurate records of all collection activities, payment agreements, and customer interactions in the company’s CRM system.
- Prepare regular reports on collection status, trends, and potential risk exposures for senior leadership review.
- Participate in continuous improvement initiatives, suggesting process enhancements to increase collection efficiency and customer satisfaction.
- Stay informed about regulatory changes and industry best practices related to credit collection and consumer protection.
Requirements
- Open to candidates with no prior experience; comprehensive on‑the‑job training will be provided.
- Minimum age of 18 years, with a maximum age limit of 65 years.
- Understanding of multifinance business processes and a strong orientation toward meeting targets.
- Excellent interpersonal and communication abilities, including negotiation, conflict resolution, and active listening.
- High level of integrity, diligence, attention to detail, and honesty in handling sensitive financial information.
- Ability to work flexible hours, including weekends (Monday‑Sunday) from 08:00 to 16:00.
- Possession of a SPPI (Surat Peringatan Perbaikan Internal) card is a plus, though not mandatory.
- Proficiency in credit monitoring, loan processing, debt collection, and interpersonal communication skills.
- Male gender preference as specified by the posting.
Benefits
- Competitive base salary with performance‑based incentives tied to collection targets.
- Flexible working hours to support work‑life balance.
- Comprehensive health insurance covering medical, dental, and vision care.
- Professional development opportunities, including certification courses in credit risk and negotiation.
- Transportation allowance for field visits and on‑site customer meetings.
- Paid leave, including annual, sick, and emergency leave in accordance with local labor regulations.
- Employee assistance program providing counseling and financial planning resources.
About Company
Our organization is a leading multifinance institution operating across Indonesia, dedicated to providing flexible financing solutions to individuals and businesses. The Subulussalam branch serves a diverse customer base, ranging from small‑scale entrepreneurs to large corporate partners, and is known for its commitment to responsible lending and community development. With a robust portfolio of credit products and a strong emphasis on risk management, we strive to deliver value to our stakeholders while maintaining the highest standards of ethical conduct. Joining our team means becoming part of a forward‑thinking company that invests in its people, embraces technology, and fosters a collaborative culture where every employee can make a meaningful impact.
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