Introduction
Adira Finance, a leading multi‑finance institution in Indonesia, is seeking a motivated and detail‑oriented individual to join our team in Sintang, Kalimantan as an Officer Remedial (Collection). This role plays a critical part in maintaining the health of our loan portfolio by ensuring timely collection of overdue accounts receivable (A/R). The successful candidate will work closely with credit officers, legal teams, and customers to resolve delinquent accounts while upholding Adira’s standards of integrity and customer service.
Responsibilities
- Manage the end‑to‑end collection process for overdue loans, ensuring all activities are completed within the prescribed timelines.
- Monitor A/R aging reports daily, identify high‑risk accounts, and prioritize collection actions accordingly.
- Conduct outbound calls, send written reminders, and arrange face‑to‑face meetings with defaulters to negotiate repayment plans.
- Maintain accurate records of all collection activities in the company’s CRM system, documenting agreements, payment schedules, and any disputes.
- Collaborate with the credit underwriting team to review customer credit histories and propose appropriate remediation strategies.
- Prepare regular performance reports for senior management, highlighting collection rates, recovered amounts, and any emerging trends.
- Ensure compliance with internal policies, regulatory requirements, and consumer protection laws throughout the collection process.
- Participate in periodic training sessions on negotiation techniques, legal procedures, and updates to the multi‑finance business model.
- Provide feedback to product development and risk management teams regarding recurring issues that affect repayment behavior.
- Assist in the preparation of legal documents and coordinate with external law firms when accounts need to be escalated to litigation.
Requirements
- Minimum education: D3/D4 (or S1) in any discipline; graduates from reputable institutions are welcome.
- Male candidates only, aged 30 years or younger.
- At least 1 year of experience in collections, credit monitoring, or a related financial services role; fresh graduates with strong academic performance may also be considered.
- Demonstrated understanding of multi‑finance business processes and a strong target‑orientation.
- Excellent interpersonal and communication skills, with the ability to negotiate effectively and build rapport with diverse customers.
- High level of integrity, persistence, attention to detail, and honesty.
- Proficiency in Microsoft Office (Excel, Word) and familiarity with CRM or loan management systems.
- Ability to work independently and as part of a team under tight deadlines.
- Willingness to be placed at the Adira Finance office in Sintang, Kalimantan, in accordance with the candidate’s domicile.
Benefits
- Competitive monthly salary with performance‑based incentives tied to collection targets.
- Comprehensive health insurance covering medical, dental, and vision care.
- Professional development programs, including certification courses in credit risk and negotiation.
- Transportation allowance and meal vouchers for the Monday‑Saturday work schedule.
- Annual leave, public holidays, and additional days off for religious observances.
- Opportunity for career advancement within a fast‑growing finance organization.
- Employee assistance program (EAP) offering counseling and financial planning services.
About Company
Adira Finance is one of Indonesia’s most trusted non‑bank financial institutions, providing a wide range of consumer financing solutions, including motor vehicle loans, personal loans, and micro‑finance products. With a strong presence across the archipelago, Adira emphasizes responsible lending, innovative digital platforms, and a customer‑centric culture. Our mission is to empower individuals and families to achieve their financial goals while maintaining a sustainable and risk‑aware portfolio. Joining Adira Finance means becoming part of a dynamic team that values transparency, continuous learning, and community impact.
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