Introduction
Adira Finance, a leading multifinance institution in Indonesia, is seeking a motivated and detail‑oriented Officer Remedial (Collection) for its Koto Baru branch in Sumatra Barat. This full‑time position plays a critical role in ensuring timely recovery of overdue accounts receivable (A/R), supporting the company’s financial health and customer relationship strategy. The successful candidate will work Monday through Saturday, from 08:00 to 16:00, and will report directly to the Branch Collection Manager.
Responsibilities
- Manage the end‑to‑end collection process for overdue loans, ensuring all actions are completed within established deadlines.
- Monitor daily A/R aging reports, identify high‑risk accounts, and prioritize collection activities accordingly.
- Conduct outbound calls, send reminder letters, and arrange on‑site visits to negotiate repayment plans with borrowers.
- Maintain accurate and up‑to‑date records in the company’s credit management system, documenting all communication and outcomes.
- Collaborate with the credit underwriting team to verify borrower information and resolve any discrepancies that may affect repayment.
- Prepare regular performance reports for senior management, highlighting collection rates, outstanding balances, and any emerging trends.
- Support the development and implementation of improved collection strategies, including the use of digital payment reminders and automated workflows.
- Ensure compliance with internal policies, regulatory requirements, and ethical standards throughout the collection process.
- Provide exceptional customer service by handling inquiries professionally, offering clear explanations of repayment options, and maintaining a respectful tone during negotiations.
- Participate in periodic training sessions to stay current with industry best practices, legal updates, and new collection technologies.
Requirements
- Minimum education: D3/D4 (associate degree) or S1 (bachelor’s degree) in any discipline; recent graduates are welcome.
- Male candidates only, as per the posting requirements.
- Maximum age of 30 years at the time of application.
- At least 1 year of experience in collections, credit monitoring, or related financial services; fresh graduates with relevant internships may be considered.
- Strong understanding of multifinance business processes and a results‑oriented mindset.
- Excellent interpersonal and communication skills, with proven ability to negotiate and influence borrowers.
- High level of integrity, perseverance, attention to detail, and honesty.
- Proficiency in using credit management software and Microsoft Office tools.
- Ability to work independently as well as collaboratively within a team environment.
Benefits
- Competitive base salary with performance‑based incentives tied to collection targets.
- Health insurance coverage for the employee (and optional family coverage).
- Transportation allowance and meal vouchers to support daily commuting.
- Professional development opportunities, including on‑the‑job training, workshops, and certifications in credit risk management.
- Paid annual leave, public holidays, and additional leave days for special occasions.
- Employee recognition programs that celebrate outstanding achievements in collection performance.
- Access to a supportive work environment that encourages career progression within the wider Adira Finance network.
About Company
Adira Finance is a prominent player in Indonesia’s consumer financing sector, offering a wide range of credit products such as vehicle loans, personal loans, and micro‑enterprise financing. With a strong commitment to financial inclusion, the company leverages technology and data‑driven insights to deliver responsible lending solutions across the archipelago. Adira Finance operates more than 300 branches nationwide, and its Koto Baru office serves a vibrant community in Sumatra Barat, providing tailored financial services that empower individuals and small businesses. The organization prides itself on a culture of integrity, innovation, and customer focus, making it an attractive place for ambitious professionals to grow their careers.
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