Introduction
Adira Finance, a leading multifinance institution in Indonesia, is seeking a motivated Officer Remedial (Collection) for its Waingapu, Sumba branch. This position plays a critical role in safeguarding the company’s cash flow by ensuring that overdue accounts receivable are recovered promptly and professionally. The successful candidate will join a dynamic team that values integrity, perseverance, and a customer‑focused approach to collections.
Responsibilities
- Manage the end‑to‑end collection process for overdue loans (A/R Overdue), ensuring all activities are completed within agreed timelines.
- Conduct daily monitoring of delinquent accounts, prioritize cases based on risk, and develop action plans to maximize recovery.
- Communicate with borrowers via phone, email, and in‑person visits to negotiate repayment terms, resolve disputes, and arrange settlement plans.
- Maintain accurate and up‑to‑date records in the collection management system, documenting all interactions, agreements, and outcomes.
- Collaborate closely with the sales, credit, and legal departments to share insights, verify borrower information, and support legal actions when necessary.
- Prepare regular performance reports for management, highlighting key metrics such as collection rates, aging analysis, and forecasted cash inflows.
- Identify trends in delinquency, suggest preventive measures, and contribute to the continuous improvement of collection policies.
- Adhere strictly to regulatory guidelines, internal compliance standards, and ethical collection practices.
- Participate in training sessions and workshops to stay current with industry best practices and new regulatory requirements.
Requirements
- Minimum education: D3/D4 (associate or bachelor degree); candidates with a high school (SMA/SMK) background are also considered, especially fresh graduates.
- Male candidates only, as specified by the hiring criteria.
- Age not exceeding 34 years at the time of application.
- Zero to one year of prior experience in collections or a related financial role; experience of at least one year is a strong advantage.
- Solid understanding of multifinance business processes and a strong target‑orientation.
- Excellent interpersonal and communication skills, with proven negotiation abilities.
- High integrity, resilience, attention to detail, and honesty in all dealings.
- Proficiency in sales analysis tools, survey analysis, and basic data management.
- Willingness to work at the Adira Finance office that aligns with the candidate’s domicile.
- Availability to work Monday through Saturday, 08:00 – 16:00.
Benefits
- Competitive base salary with performance‑based incentives tied to collection targets.
- Comprehensive health insurance covering medical, dental, and vision expenses.
- Retirement savings plan (DPK) with company contributions.
- Professional development programs, including certifications in credit management and negotiation.
- Transportation allowance or company‑provided vehicle for field visits.
- Paid annual leave, sick leave, and public holidays in accordance with Indonesian labor law.
- Employee assistance program offering counseling and financial advisory services.
- Opportunities for career advancement within Adira Finance’s nationwide network.
About Company
Adira Finance is one of Indonesia’s most trusted non‑bank financial service providers, offering a wide range of consumer and commercial financing solutions, including vehicle loans, personal loans, and micro‑enterprise credit. With a strong presence across the archipelago, the company is committed to financial inclusion, leveraging technology and a customer‑centric culture to deliver fast, reliable, and transparent services.
Operating in a highly regulated environment, Adira Finance emphasizes ethical practices, robust risk management, and continuous innovation. The Waingapu branch serves the Sumba region, catering to both urban and rural clients, and plays a pivotal role in supporting local economic development.
Joining Adira Finance means becoming part of a collaborative team that values diversity, encourages initiative, and rewards achievement. If you are passionate about helping customers overcome financial challenges while contributing to the company’s growth, we invite you to apply for the Officer Remedial (Collection) position today.
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