Introduction
The Officer Remedial (Collection) position is based in Sidoarjo 2, Jawa Timur, and serves as a critical link between our multifinance business and its clientele. As a member of the Collections Team, you will be responsible for ensuring that overdue receivables are pursued promptly, accurately, and in a manner that upholds the company’s reputation for professionalism and integrity. This role offers a dynamic, target‑driven environment where strong interpersonal abilities and a keen eye for detail translate directly into the company’s cash‑flow health and overall financial performance.
Responsibilities
- Manage the end‑to‑end collection process for all accounts receivable (A/R) that are overdue, ensuring timely follow‑up according to internal SLA standards.
- Conduct daily monitoring of delinquent accounts, flagging high‑risk customers and escalating to senior management when necessary.
- Initiate contact with borrowers via phone, email, and written correspondence to negotiate repayment plans, settlements, or restructuring options.
- Collaborate closely with the Credit, Sales, and Legal departments to verify documentation, resolve disputes, and align collection strategies with overall business policies.
- Prepare and present regular collection performance reports, highlighting trends, recovery rates, and areas for process improvement.
- Maintain accurate records in the company’s ERP/CRM system, ensuring all actions are logged for audit and compliance purposes.
- Assist in the development of collection scripts, standard operating procedures, and training materials for new hires.
- Participate in periodic reviews of credit policies to help refine risk‑assessment criteria and reduce future delinquency.
- Provide excellent customer service during difficult conversations, preserving the brand’s image while achieving recovery targets.
Requirements
- Minimum education: D3/D4 (associate degree) or S1 (bachelor’s) in any discipline; fresh graduates are welcome.
- At least 1 year of experience in collections, credit monitoring, or related financial services (experience is a strong advantage but not mandatory).
- Maximum age: 30 years; the role is open to male candidates as specified by the hiring criteria.
- Strong understanding of multifinance business processes, including loan lifecycle, interest calculations, and regulatory compliance.
- Excellent interpersonal and communication skills; ability to negotiate, persuade, and resolve conflicts with empathy and firmness.
- High level of integrity, perseverance, meticulousness, and honesty in handling confidential financial data.
- Proficiency in credit monitoring tools, debt‑recovery software, and basic MS Office applications.
- Flexibility to work at a location that matches the candidate’s domicile; full‑time schedule: Monday‑Saturday, 08:00‑16:00.
Benefits
- Competitive base salary with performance‑based incentives tied to collection recovery targets.
- Comprehensive health insurance (BPJS Kesehatan) and occupational accident coverage.
- Annual paid leave, sick leave, and additional days for religious observances.
- Transportation allowance or company‑provided shuttle service for the Sidoarjo area.
- Professional development programs, including internal training on credit risk, negotiation tactics, and regulatory updates.
- Opportunity for career progression into senior collection, credit analysis, or risk‑management roles.
- Employee assistance programs and regular team‑building activities to foster a supportive work environment.
About Company
Our client is a leading multifinance institution operating throughout Indonesia, known for providing flexible financing solutions to individuals and small‑to‑medium enterprises. With a portfolio that spans consumer loans, vehicle financing, and micro‑business credit, the company emphasizes responsible lending, digital innovation, and community development. The organization values a culture of continuous improvement, ethical conduct, and teamwork, offering employees a stable yet growth‑oriented workplace where contributions are recognized and rewarded. Joining the Collections Team means becoming part of a mission‑driven group that directly supports the company’s financial sustainability and its commitment to serving the broader Indonesian market.
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